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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 Conventional Mortgage Lenders in Boulder

Updated February 5, 2026

Market Overview

Total Lenders

3,135

Total Loans

0.04%

Median Rate Spread

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

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