Safe Rate Rankings

Best Conventional 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%

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	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,179Fees	0.246%Below	26
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$835Fees	0.661%Below	17
3	ELEVATIONSCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$922Fees	0.140%Above	549
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,032Fees	0.336%Below	32
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$151Fees	0.458%Below	27
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,507Fees	0.096%Below	24
7	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,699Fees	0.167%Above	17
8	ENT Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$145Fees	0.397%Below	16
9	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,524Fees	0.158%Below	11
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,215Fees	0.025%Above	490
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,408Fees	0.101%Above	68
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,519Fees	0.009%Below	25
13	First Western Trust BankBank	Strong	Strong	Strong	Strong	Sound	$2,231Fees	0.130%Above	15
14	NBKC BANKBank	Strong	Exceptional	Strong	Sound	Acceptable	$273Credit	0.395%Below	10
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,955Fees	0.079%Above	176
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,637Fees	0.132%Above	43
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$510Fees	0.055%Below	15
18	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$2,042Fees	0.334%Below	15
19	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,324Fees	0.118%Above	12
20	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,256Fees	0.219%Above	11
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,903Fees	0.295%Above	122
22	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,207Fees	0.334%Above	113
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,176Fees	0.210%Above	103
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,860Fees	0.394%Above	59
25	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,409Fees	0.296%Above	59
26	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,440Fees	0.291%Below	57
27	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$727Fees	0.342%Above	55
28	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,667Fees	0.112%Above	27
29	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,321Fees	0.283%Above	25
30	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$741Fees	0.026%Below	25
31	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$722Fees	0.332%Below	23
32	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$1,554Fees	0.129%Above	10
33	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,079Fees	0.414%Above	56
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,203Fees	0.008%Above	33
35	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,936Fees	0.079%Above	28
36	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,152Fees	0.082%Above	22
37	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,040Fees	0.165%Above	22
38	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$478Fees	0.130%Above	18
39	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,605Fees	0.268%Above	18
40	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,809Fees	0.318%Below	17
41	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,345Fees	0.260%Above	16
42	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,923Fees	0.027%Above	14
43	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,569Fees	0.288%Above	14
44	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,514Fees	0.397%Above	13
45	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,406Fees	0.300%Above	11
46	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,563Fees	0.016%Above	38
47	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,229Fees	0.163%Above	29
48	CANVAS CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Sound	$974Fees	0.285%Above	18
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,186Fees	0.304%Above	16
50	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$1,175Fees	0.310%Below	11

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.