Purchase Originations
788
Ranked #459 nationally
Median Total Costs
$6,695
+0.2% vs national ($6,680)
↓ $102 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.134% vs prior year
Median Origination
$1,385
Median Lender Credits
$118
Cost Rank (500+ vol.)
#336
among lenders with 500+ originations
Denial Rate
3.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 432 | 6.625% | $5,390 | $1,736 |
| fha | 212 | 6.250% | $9,428 | $1,913 |
| va | 123 | 6.125% | $4,438 | $0 |
| usda | 21 | 6.250% | $7,047 | $1,300 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 655 | 6.490% | $6,594 | #39 |
| Florida | 68 | 6.433% | $6,148 | #282 |
| South Carolina | 45 | 6.250% | $8,336 | — |
| Alabama | 14 | 6.812% | $8,722 | — |
| Tennessee | 4 | 6.433% | $3,825 | — |
| Mississippi | 1 | 6.725% | $25,142 | — |
| North Carolina | 1 | 7.250% | $9,155 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,303 | 6.500% | — | 23 | −$1,392 | |
| 2 | $5,307 | 6.500% | — | 34 | −$1,388 | |
| 3 | $5,518 | 6.375% | — | 97 | −$1,177 | |
| 4 | $5,772 | 6.625% | — | 51 | −$923 | |
| 5 | $6,011 | 6.375% | — | 24 | −$684 | |
| 6 | $6,043 | 6.433% | — | 8 | −$652 | |
| 7 | $6,080 | 6.495% | — | 52 | −$615 | |
| 8 | $6,300 | 6.125% | — | 8 | −$395 | |
| 9 | $6,432 | 6.500% | — | 22 | −$263 | |
| 10 | $6,580 | 6.125% | — | 10 | −$115 | |
| 11 | $6,587 | 6.500% | — | 31 | −$108 | |
| 12 | $7,289 | 6.500% | — | 24 | +$594 | |
| 13 | $7,420 | 6.375% | — | 76 | +$725 | |
| 14 | $7,887 | 6.000% | — | 6 | +$1,192 | |
| 15 | $8,481 | 6.250% | — | 13 | +$1,786 | |
| 16 | $8,793 | 6.312% | — | 30 | +$2,098 | |
| 17 | $8,815 | 6.375% | — | 15 | +$2,120 | |
| 18 | $9,070 | 6.125% | — | 27 | +$2,375 | |
| 19 | $9,169 | 6.250% | — | 13 | +$2,474 | |
| 20 | $12,821 | 6.990% | — | 7 | +$6,126 |
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 | Colony Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $6,695 | $7,127 | −$432 (−6.1%) |
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.