Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders37

Total Loans3,135

Median Rate Spread0.04%

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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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,215Fees	0.025%Above	490
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,955Fees	0.079%Above	176
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,637Fees	0.132%Above	43
5	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$510Fees	0.055%Below	15
6	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,256Fees	0.219%Above	11
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,903Fees	0.295%Above	122
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,207Fees	0.334%Above	113
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,176Fees	0.210%Above	103
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,860Fees	0.394%Above	59
11	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,409Fees	0.296%Above	59
12	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$727Fees	0.342%Above	55
13	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,667Fees	0.112%Above	27
14	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,321Fees	0.283%Above	25
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$741Fees	0.026%Below	25
16	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$1,554Fees	0.129%Above	10
17	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,079Fees	0.414%Above	56
18	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,203Fees	0.008%Above	33
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,936Fees	0.079%Above	28
20	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,152Fees	0.082%Above	22
21	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,040Fees	0.165%Above	22
22	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$478Fees	0.130%Above	18
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,605Fees	0.268%Above	18
24	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,809Fees	0.318%Below	17
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,345Fees	0.260%Above	16
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,923Fees	0.027%Above	14
27	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,569Fees	0.288%Above	14
28	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,406Fees	0.300%Above	11
29	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,563Fees	0.016%Above	38
30	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,229Fees	0.163%Above	29
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,186Fees	0.304%Above	16
32	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,557Fees	0.335%Above	10
33	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,237Fees	0.364%Above	23
34	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,316Fees	0.387%Above	19
35	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,111Fees	0.117%Above	17
36	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Sound	Sound	Sound	Acceptable	Sound	$1,472Fees	0.111%Below	13
37	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$5,959Fees	0.033%Below	35

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.