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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Boulder
Updated February 5, 2026
Market Overview
63
Total Lenders
3,135
Total Loans
0.04%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $151 | -0.458% | 27 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,215 | +0.025% | 490 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,179 | -0.246% | 26 | |
4 | ELEVATIONS | Strong | Sound | Strong | Exceptional | $922 | +0.140% | 549 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,032 | -0.336% | 32 | |
6 | JET HOMELOANS, LP | Strong | Strong | Strong | Sound | $2,667 | +0.112% | 27 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,507 | -0.096% | 24 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,408 | +0.101% | 68 | |
9 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $1,409 | +0.296% | 59 | |
10 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,079 | +0.414% | 56 | |
11 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $1,229 | +0.163% | 29 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,519 | -0.009% | 25 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,955 | +0.079% | 176 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,903 | +0.295% | 122 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,207 | +0.334% | 113 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,860 | +0.394% | 59 | |
17 | FirstBank | Strong | Sound | Sound | Strong | $1,440 | -0.291% | 57 | |
18 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $727 | +0.342% | 55 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,637 | +0.132% | 43 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,936 | +0.079% | 28 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $741 | -0.026% | 25 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,176 | +0.210% | 103 | |
23 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,321 | +0.283% | 25 | |
24 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Sound | $3,563 | +0.016% | 38 | |
25 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,203 | +0.008% | 33 | |
26 | Charles Schwab Bank, SSB | Sound | Acceptable | Strong | Sound | $722 | -0.332% | 23 | |
27 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,152 | +0.082% | 22 | |
28 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $1,040 | +0.165% | 22 | |
29 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Sound | Sound | $5,959 | -0.033% | 35 | |
30 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $4,237 | +0.364% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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