Colten Mortgage Rates, Fees & Info

Englewood, CO

LEI: 549300YBQQ97B6Y7LE69

Tax ID: 82-0758546

4.3 stars - out of 5 stars, based on 49 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Colten Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Colten Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Denver, Charlotte, Nashville, Charleston, and Colorado Springs among others. We have data for 270 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Colten Mortgage 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. Colten Mortgage is typically an average 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 6.73% 1/29/23
    30 Year Conventional Refi 6.63% 1/29/23
    30 Year Cash-out Refi 6.87% 1/29/23
    30 Year FHA Purchase 7.78% 1/29/23
    30 Year FHA Refi 7.36% 1/29/23
    30 Year VA Purchase 6.53% 1/29/23
    30 Year VA Refi 5.96% 1/29/23
    30 Year USDA Purchase 7.20% 1/29/23
    30 Year USDA Refi 6.79% 1/29/23
    15 Year Conventional Purchase 6.21% 1/29/23
    15 Year Conventional Refi 6.29% 1/29/23
    15 Year Cash-out Refi 6.29% 1/29/23
    15 Year VA Purchase 6.17% 1/29/23
    15 Year USDA Refi 5.68% 1/29/23
    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.


    Originations

    2,426

    Origination Dollar Volume (All Markets)

    $614,550,000
    Show all (6) awards

    Relative Rate

    Colten Mortgage's average 30 year fixed mortgage rate was 3.16%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.01%.

    Relative Fees (Closing Costs)

    Colten Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $5,408.

    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
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 419 $142,455,000 $339,988 $5,859 2.91%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 396 $101,030,000 $255,126 $5,346 3.32%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 201 $62,695,000 $311,915 $5,538 3.24%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 117 $30,655,000 $262,009 $5,849 3.15%
    Outside of Metro Areas 104 $18,550,000 $178,365 $4,882 3.12%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 56 $16,720,000 $298,571 $4,865 3.08%
    RALEIGH-CARY, NC (FHA|USDA|VA) 42 $11,600,000 $276,190 $4,657 3.07%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 44 $9,500,000 $215,909 $5,529 3.25%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 36 $8,600,000 $238,889 $4,388 3.08%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 33 $7,585,000 $229,848 $5,238 2.99%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 22 $7,050,000 $320,455 $6,142 3.08%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 27 $6,595,000 $244,259 $5,140 3.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 23 $5,365,000 $233,261 $4,852 3.10%
    HUNTSVILLE, AL (FHA|USDA|VA) 21 $4,755,000 $226,429 $5,087 3.60%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 21 $4,615,000 $219,762 $4,492 3.05%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $4,190,000 $232,778 $5,951 3.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $3,915,000 $206,053 $4,663 3.04%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $3,830,000 $191,500 $4,502 3.04%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $3,800,000 $237,500 $5,086 3.19%
    COLUMBIA, SC (FHA|USDA|VA) 19 $3,795,000 $199,737 $5,793 3.10%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 18 $3,790,000 $210,556 $4,464 3.13%
    GREELEY, CO (FHA|USDA|VA) 12 $3,720,000 $310,000 $6,769 2.92%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 19 $3,465,000 $182,368 $5,272 3.52%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $3,300,000 $330,000 $5,426 3.10%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $3,275,000 $218,333 $4,181 3.15%
    SPARTANBURG, SC (FHA|USDA|VA) 17 $3,175,000 $186,765 $4,846 3.22%
    FORT COLLINS, CO (FHA|USDA|VA) 9 $2,835,000 $315,000 $5,486 3.29%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $2,640,000 $188,571 $4,343 3.19%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $2,610,000 $163,125 $5,219 3.41%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $2,560,000 $213,333 $4,973 3.16%
    JACKSONVILLE, FL (FHA|USDA|VA) 11 $2,555,000 $232,273 $5,340 3.20%
    KNOXVILLE, TN (FHA|USDA|VA) 11 $2,445,000 $222,273 $5,283 3.20%
    ASHEVILLE, NC (FHA|USDA|VA) 9 $2,365,000 $262,778 $5,559 2.96%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 12 $2,340,000 $195,000 $5,954 3.79%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $2,330,000 $233,000 $5,659 3.42%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,050,000 $341,667 $7,193 3.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $2,040,000 $255,000 $5,797 3.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 12 $2,030,000 $169,167 $5,163 3.69%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 10 $1,970,000 $197,000 $3,767 3.21%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,945,000 $648,333 $14,258 2.67%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $1,885,000 $209,444 $6,231 3.10%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 12 $1,850,000 $154,167 $3,099 3.21%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 8 $1,770,000 $221,250 $4,630 3.17%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $1,730,000 $432,500 $9,670 3.13%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $1,670,000 $208,750 $3,477 3.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $1,640,000 $164,000 $4,545 3.01%
    BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,475,000 $210,714 $5,641 3.52%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,460,000 $243,333 $6,213 3.27%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $1,460,000 $182,500 $4,307 3.09%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,450,000 $241,667 $5,891 3.25%
    Shelby, NC (FHA|USDA|VA) 7 $1,425,000 $203,571 $6,587 3.23%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,410,000 $235,000 $5,495 3.17%
    MORRISTOWN, TN (FHA|USDA|VA) 4 $1,330,000 $332,500 $5,316 3.09%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,320,000 $220,000 $4,755 2.90%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $1,240,000 $155,000 $4,668 3.09%
    FRESNO, CA (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,634 3.17%
    FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,225,000 $175,000 $5,980 3.21%
    WILMINGTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,049 3.20%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,195,000 $239,000 $7,856 3.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 7 $1,175,000 $167,857 $4,415 3.03%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,170,000 $195,000 $4,563 3.19%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,965 3.27%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $1,145,000 $229,000 $6,343 2.93%
    RENO, NV (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,758 2.79%
    SPRINGFIELD, MO (FHA|USDA|VA) 7 $1,145,000 $163,571 $5,258 3.36%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,140,000 $190,000 $4,118 3.08%
    GAINESVILLE, FL (FHA|USDA|VA) 5 $1,095,000 $219,000 $5,783 3.35%
    OCALA, FL (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,968 2.96%
    TULSA, OK (FHA|USDA|VA) 7 $1,065,000 $152,143 $5,717 3.07%
    Edwards, CO (FHA|USDA|VA) 2 $990,000 $495,000 $7,716 3.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 6 $970,000 $161,667 $5,109 3.29%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $970,000 $485,000 $4,082 3.25%
    FLORENCE, SC (FHA|USDA|VA) 6 $960,000 $160,000 $4,190 3.46%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $945,000 $189,000 $4,313 3.35%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 5 $915,000 $183,000 $4,297 2.90%
    Elko, NV (FHA|USDA|VA) 4 $890,000 $222,500 $4,831 2.91%
    SAVANNAH, GA (FHA|USDA|VA) 5 $885,000 $177,000 $4,926 3.00%
    Shelbyville, TN (FHA|USDA|VA) 4 $850,000 $212,500 $3,856 3.34%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $850,000 $212,500 $6,404 3.41%
    MOBILE, AL (FHA|USDA|VA) 5 $825,000 $165,000 $5,411 3.70%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $790,000 $395,000 $10,575 2.56%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $760,000 $190,000 $4,163 3.15%
    RICHMOND, VA (FHA|USDA|VA) 5 $735,000 $147,000 $3,434 3.28%
    Albemarle, NC (FHA|USDA|VA) 4 $700,000 $175,000 $6,494 3.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $695,000 $231,667 $3,239 3.21%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $665,000 $133,000 $4,621 3.15%
    JACKSON, TN (FHA|USDA|VA) 3 $655,000 $218,333 $4,302 3.17%
    MODESTO, CA (FHA|USDA|VA) 2 $640,000 $320,000 $9,303 3.81%
    SUMTER, SC (FHA|USDA|VA) 3 $625,000 $208,333 $5,488 3.38%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $615,000 $205,000 $3,631 3.17%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $605,000 $201,667 $4,245 2.92%
    Breckenridge, CO (FHA|USDA|VA) 2 $600,000 $300,000 $3,882 3.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $595,000 $198,333 $4,351 2.92%
    WALLA WALLA, WA (FHA|USDA|VA) 3 $595,000 $198,333 $4,031 3.21%
    Lewisburg, TN (FHA|USDA|VA) 2 $590,000 $295,000 $4,835 3.06%
    Thomasville, GA (FHA|USDA|VA) 4 $580,000 $145,000 $5,211 2.97%
    TUSCALOOSA, AL (FHA|USDA|VA) 3 $565,000 $188,333 $3,780 2.96%
    Orangeburg, SC (FHA|USDA|VA) 3 $565,000 $188,333 $4,561 3.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $560,000 $140,000 $3,911 2.97%
    Madison, IN (FHA|USDA|VA) 3 $555,000 $185,000 $3,955 3.54%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $550,000 $275,000 $3,434 2.75%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $545,000 $181,667 $3,461 3.17%
    TUCSON, AZ (FHA|USDA|VA) 3 $525,000 $175,000 $5,276 3.04%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $525,000 $175,000 $5,002 3.42%
    BOULDER, CO (FHA|USDA|VA) 2 $520,000 $260,000 $5,355 3.62%
    VALLEJO, CA (FHA|USDA|VA) 1 $515,000 $515,000 $10,182 2.38%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $515,000 $515,000 $2,129 2.25%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $510,000 $255,000 $4,238 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $500,000 $250,000 $5,176 3.06%
    DALTON, GA (FHA|USDA|VA) 3 $495,000 $165,000 $4,516 2.75%
    Auburn, IN (FHA|USDA|VA) 3 $495,000 $165,000 $5,801 3.08%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $475,000 $158,333 $3,680 2.79%
    Glasgow, KY (FHA|USDA|VA) 3 $475,000 $158,333 $4,009 3.21%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $3,848 3.25%
    Fernley, NV (FHA|USDA|VA) 2 $450,000 $225,000 $6,533 2.81%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $450,000 $225,000 $7,089 3.19%
    Cookeville, TN (FHA|USDA|VA) 2 $450,000 $225,000 $5,579 3.00%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $7,282 2.68%
    KOKOMO, IN (FHA|USDA|VA) 3 $445,000 $148,333 $4,307 2.96%
    VALDOSTA, GA (FHA|USDA|VA) 2 $440,000 $220,000 $2,446 2.56%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $430,000 $215,000 $5,970 4.13%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $420,000 $210,000 $3,407 3.13%
    REDDING, CA (FHA|USDA|VA) 2 $420,000 $210,000 $3,886 2.81%
    Georgetown, SC (FHA|USDA|VA) 1 $415,000 $415,000 $9,519 3.50%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $405,000 $135,000 $4,335 3.13%
    OWENSBORO, KY (FHA|USDA|VA) 2 $400,000 $200,000 $3,917 2.81%
    TYLER, TX (FHA|USDA|VA) 2 $400,000 $200,000 $5,038 2.81%
    MERCED, CA (FHA|USDA|VA) 2 $400,000 $200,000 $2,767 2.94%
    Sevierville, TN (FHA|USDA|VA) 2 $400,000 $200,000 $4,749 2.69%
    CARSON CITY, NV (FHA|USDA|VA) 2 $390,000 $195,000 $5,290 3.19%
    Paris, TN (FHA|USDA|VA) 1 $385,000 $385,000 $18,010 3.50%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $380,000 $190,000 $5,407 2.75%
    DECATUR, AL (FHA|USDA|VA) 2 $370,000 $185,000 $5,670 4.13%
    YUMA, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $4,241 3.19%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,560 3.06%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $355,000 $118,333 $7,365 3.75%
    Red Bluff, CA (FHA|USDA|VA) 2 $350,000 $175,000 $3,261 3.00%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $350,000 $175,000 $4,620 3.00%
    ROANOKE, VA (FHA|USDA|VA) 2 $340,000 $170,000 $4,133 2.81%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $320,000 $160,000 $2,498 3.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $320,000 $160,000 $6,137 3.00%
    CLEVELAND, TN (FHA|USDA|VA) 2 $320,000 $160,000 $3,141 3.63%
    VISALIA, CA (FHA|USDA|VA) 2 $320,000 $160,000 $3,575 2.81%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $320,000 $160,000 $4,977 2.81%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $315,000 $315,000 $3,940 3.13%
    Wauchula, FL (FHA|USDA|VA) 2 $310,000 $155,000 $4,009 3.18%
    Lebanon, MO (FHA|USDA|VA) 2 $310,000 $155,000 $3,667 3.12%
    NEW BERN, NC (FHA|USDA|VA) 1 $305,000 $305,000 $1,879 3.00%
    YUBA CITY, CA (FHA|USDA|VA) 1 $305,000 $305,000 $11,715 4.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $3,723 3.00%
    Calhoun, GA (FHA|USDA|VA) 2 $300,000 $150,000 $4,075 2.63%
    MONROE, MI (FHA|USDA|VA) 2 $300,000 $150,000 $3,912 3.69%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,317 3.13%
    BURLINGTON, NC (FHA|USDA|VA) 2 $290,000 $145,000 $5,966 2.88%
    Pahrump, NV (FHA|USDA|VA) 2 $280,000 $140,000 $5,615 2.81%
    Kendallville, IN (FHA|USDA|VA) 2 $280,000 $140,000 $3,128 3.25%
    Cadillac, MI (FHA|USDA|VA) 2 $280,000 $140,000 $5,697 2.63%
    Pullman, WA (FHA|USDA|VA) 1 $275,000 $275,000 $9,220 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $270,000 $135,000 $3,452 2.88%
    Frankfort, KY (FHA|USDA|VA) 2 $270,000 $135,000 $5,597 2.88%
    TERRE HAUTE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $3,339 3.19%
    SALEM, OR (FHA|USDA|VA) 1 $265,000 $265,000 $5,719 2.88%
    VICTORIA, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,073 3.00%
    Mount Airy, NC (FHA|USDA|VA) 2 $260,000 $130,000 $3,725 3.44%
    London, KY (FHA|USDA|VA) 2 $260,000 $130,000 $3,896 3.25%
    Ada, OK (FHA|USDA|VA) 2 $250,000 $125,000 $3,841 3.19%
    Ottawa, IL (FHA|USDA|VA) 2 $250,000 $125,000 $5,588 3.69%
    EL CENTRO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $4,430 3.25%
    Sonora, CA (FHA|USDA|VA) 1 $235,000 $235,000 $5,396 3.75%
    Brookings, OR (FHA|USDA|VA) 1 $235,000 $235,000 $5,300 2.75%
    Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $7,397 2.88%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $3,627 3.25%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $225,000 $225,000 $7,918 2.38%
    Forest City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $8,415 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,132 2.50%
    Paris, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,199 3.50%
    West Plains, MO (FHA|USDA|VA) 1 $215,000 $215,000 $5,756 3.00%
    STAUNTON, VA (FHA|USDA|VA) 1 $215,000 $215,000 $6,972 3.00%
    WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,117 2.75%
    LAREDO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,124 4.13%
    Greeneville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $10,523 3.13%
    MIDLAND, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,984 3.75%
    Traverse City, MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,495 3.25%
    Cullman, AL (FHA|USDA|VA) 1 $195,000 $195,000 $4,089 2.99%
    Cambridge, MD (FHA|USDA|VA) 1 $195,000 $195,000 $5,134 2.75%
    ODESSA, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,576 2.99%
    Cullowhee, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,789 2.75%
    Crawfordsville, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,299 2.63%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,704 3.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,445 3.00%
    Ozark, AL (FHA|USDA|VA) 1 $185,000 $185,000 $5,985 3.13%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,049 3.38%
    Holland, MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,204 2.88%
    Safford, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $4,015 2.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $4,928 3.13%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $185,000 $185,000 $5,021 2.88%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,916 3.13%
    WICHITA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $4,500 3.00%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,521 2.75%
    Madisonville, KY (FHA|USDA|VA) 1 $175,000 $175,000 $7,139 3.75%
    BEND, OR (FHA|USDA|VA) 1 $175,000 $175,000 $5,773 3.37%
    Beaver Dam, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,153 3.38%
    Shawnee, OK (FHA|USDA|VA) 1 $175,000 $175,000 $5,487 2.88%
    FLINT, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,714 3.50%
    Borger, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,330 3.63%
    Central City, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,483 3.88%
    Sanford, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,447 2.88%
    Kinston, NC (FHA|USDA|VA) 1 $165,000 $165,000 $8,975 3.75%
    DOTHAN, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,819 3.13%
    Centralia, WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,875 3.38%
    Moultrie, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,930 2.75%
    Frankfort, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,295 3.13%
    Danville, VA (FHA|USDA|VA) 1 $155,000 $155,000 $5,028 2.75%
    North Vernon, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,536 2.88%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $155,000 $155,000 $6,432 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,513 2.88%
    Rolla, MO (FHA|USDA|VA) 1 $155,000 $155,000 $6,326 3.25%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,881 2.50%
    Guymon, OK (FHA|USDA|VA) 1 $155,000 $155,000 $6,806 3.25%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,757 3.25%
    TOPEKA, KS (FHA|USDA|VA) 1 $155,000 $155,000 $5,456 2.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $155,000 $155,000 $8,483 2.38%
    Albertville, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,182 2.88%
    Kerrville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,934 2.50%
    Muskogee, OK (FHA|USDA|VA) 1 $145,000 $145,000 $6,555 3.38%
    Newberry, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,908 2.75%
    LUBBOCK, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,072 2.38%
    Othello, WA (FHA|USDA|VA) 1 $145,000 $145,000 $3,404 2.50%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,840 3.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $4,640 3.38%
    JACKSON, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,440 3.25%
    Greensburg, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,389 2.38%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $145,000 $145,000 $4,891 2.75%
    Gainesville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,949 3.63%
    Fairmont, WV (FHA|USDA|VA) 1 $145,000 $145,000 $4,739 3.25%
    Scottsburg, IN (FHA|USDA|VA) 1 $145,000 $145,000 $6,253 2.75%
    Dayton, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,733 2.88%
    Coos Bay, OR (FHA|USDA|VA) 1 $145,000 $145,000 $4,112 2.75%
    Connersville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,051 3.38%
    Wilson, NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,157 4.50%
    Union, SC (FHA|USDA|VA) 1 $135,000 $135,000 $6,907 3.88%
    Sterling, CO (FHA|USDA|VA) 1 $135,000 $135,000 $3,988 3.50%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $135,000 $135,000 $5,765 2.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $135,000 $135,000 $5,951 2.88%
    Bedford, IN (FHA|USDA|VA) 1 $135,000 $135,000 $5,274 2.88%
    Washington, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,338 3.25%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,995 3.75%
    Moberly, MO (FHA|USDA|VA) 1 $135,000 $135,000 $4,638 2.75%
    Bardstown, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,739 3.38%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,487 3.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,716 2.88%
    Danville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,667 3.63%
    Dublin, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,856 3.00%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,399 2.88%
    Union City, TN (FHA|USDA|VA) 1 $125,000 $125,000 $6,054 2.88%
    ROME, GA (FHA|USDA|VA) 1 $125,000 $125,000 $6,056 3.75%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,540 3.38%
    Jefferson, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,609 3.25%
    ALBANY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,902 3.38%
    Newport, TN (FHA|USDA|VA) 1 $125,000 $125,000 $5,777 2.88%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,139 2.88%
    Enterprise, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,963 2.50%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $115,000 $115,000 $4,482 3.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $115,000 $115,000 $3,160 3.63%
    Athens, TN (FHA|USDA|VA) 1 $115,000 $115,000 $3,026 3.25%
    Washington, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,158 3.25%
    PEORIA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,624 3.13%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,464 4.13%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,439 2.75%
    Bennettsville, SC (FHA|USDA|VA) 1 $95,000 $95,000 $2,933 3.63%
    Colten Mortgage's top markets include Denver, Charlotte, Nashville, Charleston, and Colorado Springs among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,505 $397,585,000 $264,176 $4,436 3.18%
    FHA 455 $113,465,000 $249,374 $7,899 3.25%
    USDA 333 $57,345,000 $172,207 $4,905 2.90%
    VA 133 $46,155,000 $347,030 $7,513 2.96%

    For 2021, Colten Mortgage's most frequently originated type of loan was Conventional, with 1,505 originations. Their 2nd most popular type was FHA, with 455 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,090 $325,960,000 $299,046 $6,182 3.21%
    Refi 1,041 $214,365,000 $205,922 $4,406 3.01%
    Cash Out Refi 295 $74,225,000 $251,610 $5,357 3.40%

    For 2021, Colten Mortgage's most frequently cited loan purpose was Home Purchase, with 1,090 originations. The 2nd most popular reason was Refi, with 1,041 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,262 $580,670,000 $256,706 $5,408 3.16%
    15 Year 99 $21,085,000 $212,980 $3,893 2.74%
    20 Year 30 $5,830,000 $194,333 $4,435 3.27%
    Other 28 $5,720,000 $204,286 $4,745 3.11%
    10 Year 7 $1,245,000 $177,857 $3,063 2.82%

    For 2021, Colten Mortgage's most frequently cited loan duration was 30 Year, with 2,262 originations. The 2nd most popular length was 15 Year, with 99 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,298 $341,580,000 $263,159
    $<1k 336 $67,730,000 $201,577
    $2k-3k 271 $59,785,000 $220,609
    $3k-4k 215 $48,045,000 $223,465
    $5k+ 165 $60,825,000 $368,636
    $4k-5k 140 $36,450,000 $260,357

    Colten Mortgage's average total fees were $5,408, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,298 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,283 $332,585,000 $259,224
    2.5-3% 837 $213,665,000 $255,275
    <2.5% 204 $44,450,000 $217,892
    4-5% 101 $23,745,000 $235,099
    Over 8% 1 $105,000 $105,000

    During 2021, Colten Mortgage's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 3-4%, with 1,283 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,149 $322,575,000 $280,744 $5,837 3.18%
    $100k-200k 930 $148,220,000 $159,376 $4,431 3.18%
    $400k-600k 243 $115,335,000 $474,630 $6,752 3.14%
    $100,000 or less 74 $4,000,000 $54,054 $2,257 2.13%
    $600k-1MM 24 $17,940,000 $747,500 $9,382 3.22%
    $1MM+ 6 $6,480,000 $1,080,000 $7,070 3.56%

    2021 saw Colten Mortgage place emphasis on $200k-400k loans with 1,149 originations, totaling $322,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 696 $157,330,000 $226,049 $5,192 3.12%
    $50k or less 628 $123,340,000 $196,401 $4,995 3.12%
    $75k-100k 478 $129,460,000 $270,837 $5,510 3.12%
    $100k-150k 390 $122,040,000 $312,923 $5,652 3.20%
    $150k-250k 172 $61,500,000 $357,558 $5,863 3.30%
    $250k+ 58 $19,660,000 $338,966 $4,990 3.19%

    Colten Mortgage lent most frequently to those with incomes in the $50k-75k range, with 696 originations. The second most popular income band? $50k or less, with 628 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 473 $111,865,000 $236,501 $4,784 3.09%
    30-36% 364 $95,950,000 $263,599 $5,047 3.17%
    <20% 320 $64,350,000 $201,094 $4,376 2.99%
    50-60% 123 $32,995,000 $268,252 $8,535 3.21%
    >60% 110 $26,260,000 $238,727 $5,234 2.82%
    44% 98 $30,120,000 $307,347 $6,112 3.21%
    42% 92 $23,690,000 $257,500 $5,054 3.34%
    43% 86 $22,980,000 $267,209 $5,199 3.36%
    39% 85 $26,065,000 $306,647 $5,823 3.24%
    41% 84 $20,350,000 $242,262 $5,805 3.28%
    38% 80 $20,480,000 $256,000 $4,784 3.16%
    36% 72 $18,700,000 $259,722 $5,422 3.16%
    49% 68 $22,470,000 $330,441 $6,250 3.33%
    46% 67 $16,165,000 $241,269 $5,345 3.20%
    40% 65 $17,015,000 $261,769 $5,051 3.26%
    37% 65 $17,405,000 $267,769 $4,936 3.18%
    47% 63 $18,075,000 $286,905 $6,691 3.25%
    45% 59 $14,775,000 $250,424 $5,295 3.04%
    48% 52 $14,840,000 $285,385 $6,623 3.32%

    Colten Mortgage lent most frequently to those with DTI ratios of 20-30%, with 473 originations. The next most common DTI ratio? 30-36%, with 364 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 1,263 $280,735,000 $222,276 $5,002 3.11%
    White 904 $262,140,000 $289,978 $5,518 3.14%
    Black 159 $42,565,000 $267,704 $6,795 3.39%
    Asian 84 $23,160,000 $275,714 $5,187 3.21%
    American Indian 13 $4,885,000 $375,769 $5,048 3.43%
    Native Hawaiian or Islander 3 $1,065,000 $355,000 $5,716 3.25%

    Approval Rates

    Total approvals of all applications
    97.00%

    Colten Mortgage 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
    37.39%

    Colten Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,426 $614,550,000 $253,318

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,426 $614,550,000 $253,318

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $8,975,000 $183,163 $3,807 3.10%
    40-60% 186 $39,590,000 $212,849 $4,064 3.06%
    60-80% 841 $208,845,000 $248,329 $4,684 3.24%
    80-100% 1,279 $344,835,000 $269,613 $5,920 3.17%
    Over 100% 35 $11,185,000 $319,571 $12,063 2.96%
    Under 20% 36 $1,120,000 $31,111 $749 0.84%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Colten Mortgage, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Colten Mortgage, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%