First Colony Mortgage Corporation: 2025 mortgage rates, costs & approvals
How First Colony Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: FIRST COLONY MORTGAGE CORPORATION · LEI 5493003V40VGM7YDFM54
In 2025, First Colony Mortgage Corporation originated 7,091 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 48 states — 85th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $7,160, 29% higher than the national median ($5,570).
It denied 3.8% of completed home-purchase applications (all lenders: 8.5%).
How First Colony Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | First Colony Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.09 pts | +0.13 pts |
| Total loan costs · conventional | $7,160 | $5,570 |
| Total loan costs · FHA | $14,130 | $11,310 |
| Total loan costs · VA | $7,060 | $6,490 |
| Origination charges (all types) | $3,980 | $1,860 |
| Borrowers paying discount points | 57.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.90% | 0.87% |
| Borrowers receiving lender credits | 44.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why First Colony Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where First Colony Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Utah | 2,505 | 2,602 | 1.8% | 6.375% | $8,070 |
| Wisconsin | 701 | 871 | 4.1% | 6.625% | $3,750 |
| California | 694 | 904 | 5.4% | 6.625% | $8,020 |
| New Jersey | 395 | 506 | 5.9% | 6.624% | $11,440 |
| Idaho | 332 | 354 | 1.3% | 6.490% | $8,160 |
| Pennsylvania | 270 | 316 | 3.2% | 6.625% | $8,800 |
| Florida | 248 | 336 | 8.5% | 6.625% | $8,550 |
| Texas | 241 | 377 | 7.0% | 6.500% | $7,220 |
| Georgia | 188 | 260 | 5.7% | 6.500% | $6,450 |
| Alabama | 152 | 200 | 3.2% | 6.625% | $5,510 |
| Tennessee | 145 | 196 | 6.0% | 6.500% | $5,750 |
| Michigan | 125 | 150 | 3.5% | 6.625% | $3,390 |
| Ohio | 104 | 132 | 1.9% | 6.500% | $4,590 |
| Massachusetts | 103 | 122 | 5.1% | 6.750% | $5,450 |
| Nevada | 96 | 129 | 6.6% | 6.500% | $5,090 |
| Virginia | 79 | 98 | 5.0% | 6.375% | $7,860 |
| Mississippi | 73 | 110 | 2.1% | 6.750% | $4,420 |
| Connecticut | 59 | 70 | 6.8% | 6.625% | $6,800 |
| North Dakota | 56 | 74 | 6.7% | — | — |
| North Carolina | 53 | 65 | 0.0% | 6.875% | $6,290 |
| Arkansas | 51 | 55 | 4.2% | 6.125% | $3,650 |
| Maryland | 46 | 59 | 4.3% | 6.375% | $8,870 |
| Colorado | 45 | 56 | 6.7% | — | — |
| Oklahoma | 41 | 55 | 4.5% | 6.375% | $4,100 |
| Oregon | 41 | 46 | 2.5% | — | — |
| Minnesota | 39 | 52 | 9.8% | 6.750% | $7,320 |
| Illinois | 30 | 42 | 4.8% | — | — |
| Indiana | 28 | 42 | 0.0% | — | — |
| South Carolina | 24 | 26 | — | — | — |
| Arizona | 22 | 31 | 5.0% | — | — |
| Washington | 16 | 20 | — | — | — |
| Louisiana | 12 | 14 | — | — | — |
| New Hampshire | 11 | 13 | — | — | — |
| Iowa | 9 | 21 | — | — | — |
| Delaware | 8 | 8 | — | — | — |
| Kentucky | 7 | 12 | — | — | — |
| Nebraska | 7 | 11 | — | — | — |
| Rhode Island | 7 | 8 | — | — | — |
| West Virginia | 6 | 7 | — | — | — |
| Missouri | 5 | 7 | — | — | — |
| Kansas | 4 | 5 | — | — | — |
| Montana | 4 | 5 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| New Mexico | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| South Dakota | 1 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First Colony Mortgage Corporation's page for that state.
Counties where First Colony Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Adams County, ND | 2 | 2 | 18.2% |
| Brooks County, TX | 3 | 1 | 14.3% |
| Menominee County, MI | 1 | 24 | 12.5% |
| Fallon County, MT | 2 | 2 | 11.8% |
| Malheur County, OR | 2 | 30 | 11.3% |
| Utah County, UT | 2 | 1,217 | 10.2% |
| Inyo County, CA | 3 | 11 | 10.0% |
| Irwin County, GA | 3 | 4 | 9.5% |
| Washington County, ID | 3 | 11 | 8.4% |
| Bannock County, ID | 3 | 107 | 8.3% |
| Marinette County, WI | 2 | 47 | 8.3% |
| Cache County, UT | 3 | 149 | 7.9% |
| Power County, ID | 4 | 4 | 7.4% |
| Payette County, ID | 3 | 31 | 6.8% |
| Kewaunee County, WI | 5 | 19 | 6.3% |
Check First Colony Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493003V40VGM7YDFM54.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First Colony Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology