Purchase Originations
899
Ranked #409 nationally
Median Total Costs
$4,345
−35.0% vs national ($6,680)
↓ $230 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,125
Median Lender Credits
$669
Cost Rank (500+ vol.)
#137
among lenders with 500+ originations
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 899 | 6.375% | $4,345 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 215 | 6.375% | $4,857 | #50 |
| Alabama | 167 | 6.375% | $3,522 | #60 |
| Louisiana | 80 | 6.500% | $4,394 | #62 |
| Delaware | 68 | 6.500% | $5,121 | #35 |
| Arkansas | 46 | 6.500% | $3,485 | — |
| Colorado | 46 | 6.375% | $3,706 | — |
| Rhode Island | 36 | 6.500% | $4,573 | — |
| New Mexico | 31 | 6.500% | $6,304 | — |
| New York | 30 | 6.375% | $5,735 | — |
| Nebraska | 28 | 6.250% | $2,734 | — |
| Iowa | 27 | 6.375% | $2,806 | — |
| Maine | 25 | 6.375% | $3,820 | — |
| New Hampshire | 21 | 6.500% | $5,002 | — |
| Mississippi | 16 | 6.438% | $4,675 | — |
| Montana | 16 | 6.500% | $5,177 | — |
| Hawaii | 14 | 6.562% | $7,680 | — |
| Vermont | 13 | 6.500% | $5,198 | — |
| Wyoming | 9 | 6.375% | $4,338 | — |
| South Dakota | 5 | 6.125% | $3,208 | — |
| District of Columbia | 3 | 6.125% | $5,667 | — |
| West Virginia | 3 | 6.375% | $5,077 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,524 | 6.375% | — | 16 | −$1,821 | |
| 2 | $3,420 | 6.375% | — | 19 | −$925 | |
| 3 | $3,478 | 6.625% | — | 25 | −$867 | |
| 4 | $3,570 | 6.375% | — | 85 | −$775 | |
| 5 | $3,802 | 6.250% | — | 15 | −$543 | |
| 6 | $3,868 | 6.188% | — | 14 | −$477 | |
| 7 | $4,166 | 6.375% | — | 15 | −$179 | |
| 8 | $4,354 | 6.250% | — | 19 | +$9 | |
| 9 | $4,429 | 6.375% | — | 16 | +$84 | |
| 10 | $4,439 | 6.562% | — | 12 | +$94 | |
| 11 | $4,445 | 6.438% | — | 52 | +$100 | |
| 12 | $4,730 | 6.625% | — | 16 | +$385 | |
| 13 | $4,872 | 6.500% | — | 23 | +$527 | |
| 14 | $4,943 | 6.312% | — | 30 | +$598 | |
| 15 | $5,001 | 6.438% | — | 46 | +$656 | |
| 16 | $5,031 | 6.312% | — | 30 | +$686 | |
| 17 | $5,039 | 6.500% | — | 32 | +$694 | |
| 18 | $5,284 | 6.500% | — | 15 | +$939 | |
| 19 | $5,510 | 6.375% | — | 21 | +$1,165 | |
| 20 | $5,530 | 6.500% | — | 22 | +$1,185 |
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 | Colorado Federal Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $4,345 | $7,127 | −$2,782 (−39.0%) |
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.