Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders18

Total Loans3,135

Median Rate Spread0.04%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,032Fees	0.336%Below	32
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$151Fees	0.458%Below	27
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,507Fees	0.096%Below	24
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,699Fees	0.167%Above	17
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,524Fees	0.158%Below	11
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,408Fees	0.101%Above	68
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,519Fees	0.009%Below	25
8	First Western Trust BankBank	Strong	Strong	Strong	Strong	Sound	$2,231Fees	0.130%Above	15
9	NBKC BANKBank	Strong	Exceptional	Strong	Sound	Acceptable	$273Credit	0.395%Below	10
10	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$2,042Fees	0.334%Below	15
11	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,324Fees	0.118%Above	12
12	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,440Fees	0.291%Below	57
13	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$722Fees	0.332%Below	23
14	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,514Fees	0.397%Above	13
15	SOFI BANK, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Acceptable	Acceptable	$1,707Fees	0.108%Below	10
16	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$1,175Fees	0.310%Below	11
17	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$3,576Fees	0.391%Above	19
18	Bank of ColoradoBank	Sound	Acceptable	Strong	Sound	Sound	$2,366Fees	0.051%Above	14

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.