First Colony Mortgage Corporation Rates, Fees & Info

OREM, UT

LEI: 5493003V40VGM7YDFM54

Tax ID: 87-0415314

2.8 stars - Updated: 2/25/24 - out of 5 stars, based on 69 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First Colony Mortgage Corporation is a small mortgage company specializing in Home Purchase loans. First Colony Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Provo, Salt Lake City, St. George, Ogden, and Logan among others. We have data for 96 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Colony Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Colony Mortgage Corporation is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.61% 2/25/24
30 Year Conventional Refi 6.60% 2/25/24
30 Year Cash-out Refi 6.62% 2/25/24
30 Year FHA Purchase 7.13% 2/25/24
30 Year FHA Refi 7.03% 2/25/24
30 Year VA Purchase 5.87% 2/25/24
30 Year VA Refi 6.12% 2/25/24
30 Year USDA Purchase 6.33% 2/25/24
15 Year Conventional Purchase 6.70% 2/25/24
15 Year Conventional Refi 6.06% 2/25/24
15 Year Cash-out Refi 6.06% 2/25/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Colony Mortgage Corporation Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Colony Mortgage Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,702

Origination Dollar Volume (All Markets)

$1,839,940,000
Show all (10) awards

Relative Rate

First Colony Mortgage Corporation's average 30 year fixed mortgage rate was 4.79%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.03%.

Relative Fees (Closing Costs)

First Colony Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $8,616.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PROVO-OREM, UT (FHA|USDA|VA) 1,824 $782,500,000 $429,002 $8,401 4.66%
SALT LAKE CITY, UT (FHA|USDA|VA) 642 $280,200,000 $436,449 $8,761 4.81%
ST. GEORGE, UT (FHA|USDA|VA) 429 $181,435,000 $422,925 $8,564 4.72%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 350 $142,370,000 $406,771 $8,634 4.63%
LOGAN, UT-ID (FHA|USDA|VA) 294 $111,860,000 $380,476 $8,508 4.81%
Outside of Metro Areas 164 $40,750,000 $248,476 $7,211 4.91%
POCATELLO, ID (FHA|USDA|VA) 126 $31,750,000 $251,984 $7,251 4.62%
IDAHO FALLS, ID (FHA|USDA|VA) 95 $31,635,000 $333,000 $9,484 5.05%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 93 $27,995,000 $301,022 $7,855 5.18%
Ontario, OR-ID (FHA|USDA|VA) 101 $26,345,000 $260,842 $8,880 4.74%
BOISE CITY, ID (FHA|USDA|VA) 67 $25,365,000 $378,582 $11,340 5.21%
OCALA, FL (FHA|USDA|VA) 114 $22,720,000 $199,298 $7,738 5.16%
Heber, UT (FHA|USDA|VA) 38 $18,760,000 $493,684 $9,730 5.15%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 36 $15,150,000 $420,833 $9,604 4.84%
Cedar City, UT (FHA|USDA|VA) 45 $14,445,000 $321,000 $8,160 4.96%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 23 $10,275,000 $446,739 $10,991 5.22%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $5,280,000 $377,143 $7,207 5.13%
Rexburg, ID (FHA|USDA|VA) 14 $4,280,000 $305,714 $9,853 4.70%
Blackfoot, ID (FHA|USDA|VA) 21 $3,745,000 $178,333 $6,292 4.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $3,585,000 $398,333 $8,032 5.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $3,320,000 $553,333 $9,078 3.88%
Price, UT (FHA|USDA|VA) 16 $2,710,000 $169,375 $5,953 5.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,690,000 $448,333 $8,389 5.04%
Dickinson, ND (FHA|USDA|VA) 8 $2,530,000 $316,250 $6,403 6.42%
MISSOULA, MT (FHA|USDA|VA) 5 $2,385,000 $477,000 $13,540 6.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 11 $2,235,000 $203,182 $7,776 5.40%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $2,095,000 $299,286 $8,804 5.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $2,085,000 $417,000 $8,772 4.23%
Vernal, UT (FHA|USDA|VA) 11 $1,935,000 $175,909 $6,792 4.77%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,785,000 $198,333 $8,175 5.57%
Evanston, WY (FHA|USDA|VA) 8 $1,770,000 $221,250 $7,109 5.20%
Elko, NV (FHA|USDA|VA) 6 $1,770,000 $295,000 $9,328 4.94%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,745,000 $581,667 $7,063 6.00%
Jackson, WY-ID (FHA|USDA|VA) 3 $1,725,000 $575,000 $17,392 5.92%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,560,000 $195,000 $7,248 5.77%
TWIN FALLS, ID (FHA|USDA|VA) 7 $1,555,000 $222,143 $6,581 4.30%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,310,000 $327,500 $11,786 4.03%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $905,000 $301,667 $7,833 3.71%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $890,000 $445,000 $5,862 3.94%
TUCSON, AZ (FHA|USDA|VA) 2 $850,000 $425,000 $9,554 4.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $840,000 $420,000 $6,540 7.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $800,000 $400,000 $9,266 4.44%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $685,000 $685,000 $14,619 6.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $5,446 3.63%
Butte-Silver Bow, MT (FHA|USDA|VA) 3 $665,000 $221,667 $9,313 7.21%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $645,000 $645,000 $15,851 6.00%
FRESNO, CA (FHA|USDA|VA) 1 $645,000 $645,000 $17,378 6.50%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $645,000 $645,000 $12,528 4.88%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $625,000 $625,000 $10,205 5.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $610,000 $305,000 $7,736 6.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $600,000 $300,000 $7,661 5.94%
BILLINGS, MT (FHA|USDA|VA) 1 $585,000 $585,000 $8,553 5.63%
GAINESVILLE, FL (FHA|USDA|VA) 2 $540,000 $270,000 $6,104 4.63%
Burley, ID (FHA|USDA|VA) 2 $530,000 $265,000 $9,595 4.31%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $495,000 $495,000 $8,775 5.50%
Pahrump, NV (FHA|USDA|VA) 2 $490,000 $245,000 $5,424 6.06%
FORT COLLINS, CO (FHA|USDA|VA) 2 $480,000 $240,000 $3,855 5.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $465,000 $465,000 $8,807 4.63%
Helena, MT (FHA|USDA|VA) 1 $455,000 $455,000 $436 6.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,919 4.38%
Hailey, ID (FHA|USDA|VA) 1 $435,000 $435,000 $11,875 7.00%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $425,000 $425,000 $8,653 5.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $420,000 $210,000 $5,632 6.50%
TULSA, OK (FHA|USDA|VA) 3 $415,000 $138,333 $6,186 6.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $410,000 $205,000 $8,295 5.19%
Newport, OR (FHA|USDA|VA) 1 $405,000 $405,000 $14,718 3.88%
MIDLAND, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,350 5.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $400,000 $200,000 $5,024 4.44%
MERCED, CA (FHA|USDA|VA) 1 $395,000 $395,000 $9,595 4.88%
RENO, NV (FHA|USDA|VA) 1 $385,000 $385,000 $10,148 5.63%
Mountain Home, ID (FHA|USDA|VA) 1 $385,000 $385,000 $17,806 5.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $6,265 3.88%
Liberal, KS (FHA|USDA|VA) 1 $335,000 $335,000 $6,745 6.13%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $325,000 $325,000 $3,802 4.38%
Kalispell, MT (FHA|USDA|VA) 1 $295,000 $295,000 $11,508 6.63%
Laramie, WY (FHA|USDA|VA) 1 $275,000 $275,000 $15,434 6.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $275,000 $275,000 $5,640 5.13%
Show Low, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $12,054 6.50%
PUEBLO, CO (FHA|USDA|VA) 1 $255,000 $255,000 $8,105 5.75%
BEND, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,771 5.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,295 3.88%
BOULDER, CO (FHA|USDA|VA) 1 $235,000 $235,000 $3,095 4.38%
Rock Springs, WY (FHA|USDA|VA) 1 $235,000 $235,000 $2,316 5.13%
Cedartown, GA (FHA|USDA|VA) 1 $205,000 $205,000 $7,755 5.38%
CARSON CITY, NV (FHA|USDA|VA) 1 $195,000 $195,000 $5,460 6.00%
Safford, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $4,325 5.88%
Glenwood Springs, CO (FHA|USDA|VA) 1 $185,000 $185,000 $3,241 3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,120 3.13%
DECATUR, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,562 6.00%
Sterling, CO (FHA|USDA|VA) 1 $155,000 $155,000 $3,031 4.88%
LUBBOCK, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,463 3.75%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $135,000 $135,000 $4,340 4.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $115,000 $115,000 $8,137 7.50%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,851 4.38%
Riverton, WY (FHA|USDA|VA) 1 $85,000 $85,000 $4,970 6.88%
COLUMBIA, SC (FHA|USDA|VA) 1 $55,000 $55,000 $3,921 4.25%
First Colony Mortgage Corporation's top markets include Provo, Salt Lake City, St. George, Ogden, and Logan among others.

Their top states include:
  • Utah (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,976 $1,556,280,000 $391,419 $7,819 4.81%
    FHA 478 $177,370,000 $371,067 $13,959 4.84%
    VA 185 $86,645,000 $468,351 $8,569 4.26%
    USDA 63 $19,645,000 $311,825 $6,929 4.35%

    For 2022, First Colony Mortgage Corporation's most frequently originated type of loan was Conventional, with 3,976 originations. Their 2nd most popular type was FHA, with 478 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,800 $1,501,560,000 $395,147 $8,752 4.94%
    Refi 725 $275,165,000 $379,538 $7,441 4.18%
    Cash Out Refi 177 $63,215,000 $357,147 $6,427 3.94%

    For 2022, First Colony Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 3,800 originations. The 2nd most popular reason was Refi, with 725 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,501 $1,791,175,000 $397,950 $8,616 4.79%
    15 Year 146 $38,350,000 $262,671 $5,674 4.38%
    10 Year 21 $435,000 $20,714 $2,807 4.86%
    20 Year 16 $3,670,000 $229,375 $5,105 4.01%
    Other 16 $5,720,000 $357,500 $2,376 6.69%
    1 Year 2 $590,000 $295,000 $258 6.00%

    For 2022, First Colony Mortgage Corporation's most frequently cited loan duration was 30 Year, with 4,501 originations. The 2nd most popular length was 15 Year, with 146 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,127 $941,185,000 $442,494
    $1k-2k 882 $355,870,000 $403,481
    $4k-5k 584 $196,440,000 $336,370
    $3k-4k 553 $175,375,000 $317,134
    $2k-3k 354 $118,300,000 $334,181
    $<1k 196 $50,950,000 $259,949

    First Colony Mortgage Corporation's average total fees were $8,616, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,127 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,351 $540,725,000 $400,241
    5-6% 1,282 $508,110,000 $396,342
    3-4% 1,201 $485,575,000 $404,309
    6-7% 505 $178,965,000 $354,386
    2.5-3% 216 $83,820,000 $388,056
    7-8% 101 $30,255,000 $299,554
    <2.5% 25 $9,545,000 $381,800
    Over 8% 21 $2,945,000 $140,238

    During 2022, First Colony Mortgage Corporation's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 1,351 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,050 $635,910,000 $310,200 $7,738 4.79%
    $400k-600k 1,655 $798,415,000 $482,426 $9,731 4.66%
    $600k-1MM 470 $312,270,000 $664,404 $10,752 4.81%
    $100k-200k 373 $61,505,000 $164,893 $5,536 4.73%
    $100,000 or less 132 $4,360,000 $33,030 $1,769 6.20%
    $1MM+ 22 $27,480,000 $1,249,091 $21,103 4.31%

    2022 saw First Colony Mortgage Corporation place emphasis on $200k-400k loans with 2,050 originations, totaling $635,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,298 $568,020,000 $437,612 $8,943 4.84%
    $75k-100k 1,066 $401,320,000 $376,473 $8,645 4.74%
    $50k-75k 903 $269,355,000 $298,289 $7,434 4.59%
    $150k-250k 774 $363,380,000 $469,483 $8,940 4.94%
    $250k+ 385 $175,735,000 $456,455 $9,725 5.18%
    $50k or less 243 $48,875,000 $201,132 $5,828 4.34%

    First Colony Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,298 originations. The second most popular income band? $75k-100k, with 1,066 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 760 $300,980,000 $396,026 $8,065 4.69%
    20-30% 587 $214,615,000 $365,613 $7,419 4.59%
    44% 306 $133,250,000 $435,458 $9,151 4.94%
    43% 278 $109,180,000 $392,734 $8,179 4.86%
    49% 246 $102,990,000 $418,659 $9,838 4.93%
    50-60% 229 $87,665,000 $382,817 $12,292 5.17%
    42% 226 $91,990,000 $407,035 $8,321 4.69%
    <20% 224 $74,850,000 $334,152 $6,654 4.71%
    40% 221 $88,255,000 $399,344 $8,070 4.84%
    45% 215 $82,175,000 $382,209 $8,630 4.81%
    41% 210 $81,030,000 $385,857 $8,079 4.83%
    48% 207 $83,795,000 $404,807 $9,086 4.87%
    47% 176 $68,360,000 $388,409 $9,580 4.85%
    39% 175 $70,075,000 $400,429 $7,738 4.80%
    38% 170 $67,220,000 $395,412 $8,234 4.65%
    46% 167 $67,385,000 $403,503 $9,036 4.71%
    37% 157 $60,335,000 $384,299 $7,925 4.70%
    36% 144 $54,770,000 $380,347 $8,253 4.85%
    >60% 3 $835,000 $278,333 $7,624 5.46%

    First Colony Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 760 originations. The next most common DTI ratio? 20-30%, with 587 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,123 $1,608,795,000 $390,200 $8,393 4.76%
    Not provided 260 $97,760,000 $376,000 $8,766 4.90%
    Asian 167 $69,045,000 $413,443 $8,839 4.98%
    Black 51 $21,025,000 $412,255 $9,162 4.92%
    Native Hawaiian or Islander 42 $19,660,000 $468,095 $9,845 4.71%
    American Indian 36 $13,030,000 $361,944 $8,365 5.12%
    Asian Indian 7 $3,185,000 $455,000 $8,776 4.80%
    Other Asian 5 $2,045,000 $409,000 $9,026 5.58%
    Filipino 4 $1,880,000 $470,000 $13,828 5.06%
    Chinese 2 $1,440,000 $720,000 $22,431 5.13%
    Other Pacific Islander 2 $920,000 $460,000 $4,593 6.94%
    Not applicable 1 $475,000 $475,000 $12,080 4.25%
    Native Hawaiian 1 $465,000 $465,000 $11,173 3.75%
    Vietnamese 1 $215,000 $215,000 $6,620 4.50%

    Approval Rates

    Total approvals of all applications
    98.76%

    First Colony Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.50%

    First Colony Mortgage Corporation has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,702 $1,839,940,000 $391,310

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,702 $1,839,940,000 $391,310

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 163 $35,585,000 $218,313 $5,020 4.37%
    40-60% 494 $169,560,000 $343,239 $7,577 4.47%
    60-80% 1,592 $621,340,000 $390,289 $8,192 4.71%
    80-100% 2,313 $997,305,000 $431,174 $9,338 4.85%
    Over 100% 29 $12,985,000 $447,759 $15,011 4.49%
    Under 20% 111 $3,165,000 $28,514 $1,394 6.45%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST GUARANTY MORTGAGE CORP Conventional home mortgage Struggling to pay mortgage 1 100.0%