Safe Rate Rankings

Best Mortgage Lenders in Boulder

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders63

Total Loans3,135

Median Rate Spread0.04%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$151Fees	0.458%Below	27
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,215Fees	0.025%Above	490
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,179Fees	0.246%Below	26
4	ELEVATIONSCredit Union	Strong	Sound	Strong	Exceptional	$922Fees	0.140%Above	549
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$1,032Fees	0.336%Below	32
6	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Sound	$2,667Fees	0.112%Above	27
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,507Fees	0.096%Below	24
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,408Fees	0.101%Above	68
9	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,409Fees	0.296%Above	59
10	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,079Fees	0.414%Above	56
11	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,229Fees	0.163%Above	29
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,519Fees	0.009%Below	25
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,955Fees	0.079%Above	176
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,903Fees	0.295%Above	122
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,207Fees	0.334%Above	113
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,860Fees	0.394%Above	59
17	FirstBankBank	Strong	Sound	Sound	Strong	$1,440Fees	0.291%Below	57
18	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$727Fees	0.342%Above	55
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,637Fees	0.132%Above	43
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,936Fees	0.079%Above	28
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$741Fees	0.026%Below	25
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,176Fees	0.210%Above	103
23	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,321Fees	0.283%Above	25
24	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,563Fees	0.016%Above	38
25	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,203Fees	0.008%Above	33
26	Charles Schwab Bank, SSBBank	Sound	Acceptable	Strong	Sound	$722Fees	0.332%Below	23
27	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,152Fees	0.082%Above	22
28	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,040Fees	0.165%Above	22
29	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,959Fees	0.033%Below	35
30	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,237Fees	0.364%Above	23

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.