First Colony Mortgage Corporation mortgage approval rate & lending review
First Colony Mortgage Corporation decided 19,124 mortgage applications and funded 16,504 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Colony Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firstcolonymortgage.com.
First Colony Mortgage Corporation at a glance
Approval is 10.1 points above the 85.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 13,301 / 13,776 | 92% | $435K | 12,298 |
| Cash-out refinance | 91% | 878 / 969 | 85% | $335K | 750 |
| Refinance | 94% | 1,377 / 1,460 | 83% | $455K | 1,148 |
| Investment property purchase | 92% | 1,897 / 2,059 | 91% | $305K | 1,722 |
| Investment cash-out refinance | 89% | 545 / 614 | 77% | $305K | 421 |
| Investment refinance | 86% | 210 / 243 | 79% | $295K | 165 |
First Colony Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 98% | $435K | 7,725 | 7,499 |
| California | 93% | $645K | 1,777 | 1,357 |
| Wisconsin | 96% | $255K | 1,452 | 1,203 |
| Florida | 90% | $365K | 1,114 | 855 |
| New Jersey | 92% | $495K | 987 | 755 |
| Pennsylvania | 96% | $375K | 708 | 597 |
| Texas | 92% | $405K | 649 | 444 |
| Alabama | 95% | $335K | 601 | 489 |
| Tennessee | 93% | $305K | 481 | 398 |
| Idaho | 98% | $365K | 477 | 458 |
| Georgia | 92% | $315K | 333 | 252 |
| Nevada | 89% | $415K | 274 | 195 |
| Michigan | 91% | $275K | 230 | 184 |
| Massachusetts | 94% | $475K | 227 | 190 |
| Arkansas | 98% | $145K | 216 | 207 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Colony Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Utah County, UT | Mortgage lenders | 99% | 3,280 | 3,209 |
| Salt Lake County, UT | Mortgage lenders | 98% | 1,669 | 1,606 |
| Cache County, UT | Mortgage lenders | 99% | 531 | 520 |
| Washington County, UT | Mortgage lenders | 99% | 498 | 485 |
| Davis County, UT | Mortgage lenders | 98% | 348 | 339 |
| Utah County, UT | Investment property purchase | 98% | 333 | 318 |
| Brown County, WI | Mortgage lenders | 98% | 320 | 296 |
| Weber County, UT | Mortgage lenders | 99% | 227 | 223 |
| Madison County, AL | Mortgage lenders | 97% | 244 | 208 |
| Milwaukee County, WI | Mortgage lenders | 95% | 244 | 199 |
| Bonneville County, ID | Mortgage lenders | 97% | 185 | 178 |
| Ada County, ID | Mortgage lenders | 99% | 163 | 159 |
The county markets where First Colony Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about First Colony Mortgage Corporation
What is First Colony Mortgage Corporation's mortgage approval rate?
First Colony Mortgage Corporation approved 95.2% of the 19,124 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 85.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Colony Mortgage Corporation offers?
Borrowers accepted 91% of the loans First Colony Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Colony Mortgage Corporation make?
The typical home purchase mortgage loan First Colony Mortgage Corporation made was $435K; across all loan types its typical loan ran from $295K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Colony Mortgage Corporation lend?
First Colony Mortgage Corporation decided applications in 49 of the states Fat Boy Data covers, most of them in Utah, California and Wisconsin.
Can I apply to First Colony Mortgage Corporation directly?
Yes. First Colony Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is firstcolonymortgage.com.
Does this page show First Colony Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Colony Mortgage Corporation treats applications, then get a rate quote from the lender.