Purchase Originations
576
Ranked #582 nationally
Median Total Costs
$6,849
+2.5% vs national ($6,680)
↓ $173 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,819
Median Lender Credits
$452
Cost Rank (500+ vol.)
#354
among lenders with 500+ originations
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 476 | 6.625% | $6,105 | $3,574 |
| fha | 79 | 6.375% | $13,027 | $4,546 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 491 | 6.500% | $6,815 | #30 |
| Arizona | 47 | 6.625% | $9,352 | — |
| New Mexico | 11 | 6.500% | $4,632 | — |
| Nebraska | 6 | 6.625% | $3,359 | — |
| Wyoming | 6 | 7.000% | $6,160 | — |
| Kansas | 3 | 6.750% | $3,735 | — |
| Texas | 3 | 6.375% | $7,425 | — |
| Florida | 2 | 6.588% | $15,001 | — |
| Tennessee | 2 | 5.750% | $17,901 | — |
| Arkansas | 1 | 6.125% | $4,732 | — |
| Michigan | 1 | 7.000% | $4,263 | — |
| Minnesota | 1 | 6.625% | $3,538 | — |
| South Dakota | 1 | 6.500% | $3,090 | — |
| West Virginia | 1 | 7.000% | $3,840 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,634 | 6.500% | — | 17 | −$2,215 | |
| 2 | $4,650 | 6.750% | — | 18 | −$2,199 | |
| 3 | $4,970 | 6.125% | — | 9 | −$1,879 | |
| 4 | $5,477 | 6.625% | — | 68 | −$1,372 | |
| 5 | $5,880 | 6.250% | — | 13 | −$969 | |
| 6 | $6,028 | 6.438% | — | 12 | −$821 | |
| 7 | $6,334 | 6.375% | — | 47 | −$515 | |
| 8 | $6,361 | 6.625% | — | 9 | −$488 | |
| 9 | $6,469 | 6.750% | — | 11 | −$380 | |
| 10 | $6,515 | 6.562% | — | 12 | −$334 | |
| 11 | $6,765 | 6.625% | — | 75 | −$84 | |
| 12 | $7,088 | 6.245% | — | 10 | +$239 | |
| 13 | $7,433 | 6.500% | — | 17 | +$584 | |
| 14 | $7,674 | 6.500% | — | 30 | +$825 | |
| 15 | $7,788 | 6.625% | — | 23 | +$939 | |
| 16 | $9,735 | 6.625% | — | 34 | +$2,886 | |
| 17 | $10,161 | 6.375% | — | 43 | +$3,312 | |
| 18 | $10,304 | 6.375% | — | 19 | +$3,455 | |
| 19 | $10,480 | 6.375% | — | 15 | +$3,631 | |
| 20 | $12,928 | 6.750% | — | 9 | +$6,079 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bank of Colorado | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $6,849 | $7,127 | −$278 (−3.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.