🛡️
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 Company Lenders in Boulder
Updated February 5, 2026
Market Overview
37
Total Lenders
3,135
Total Loans
0.04%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,179 | -0.246% | 26 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,215 | +0.025% | 490 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.079% | 176 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,637 | +0.132% | 43 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $510 | -0.055% | 15 | |
6 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,256 | +0.219% | 11 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,903 | +0.295% | 122 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,207 | +0.334% | 113 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,176 | +0.210% | 103 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,860 | +0.394% | 59 | |
11 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $1,409 | +0.296% | 59 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $727 | +0.342% | 55 | |
13 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Sound | $2,667 | +0.112% | 27 | |
14 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,321 | +0.283% | 25 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $741 | -0.026% | 25 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $1,554 | +0.129% | 10 | |
17 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $3,079 | +0.414% | 56 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,203 | +0.008% | 33 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,936 | +0.079% | 28 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,152 | +0.082% | 22 | |
21 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $1,040 | +0.165% | 22 | |
22 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $478 | +0.130% | 18 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,605 | +0.268% | 18 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $1,809 | -0.318% | 17 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,345 | +0.260% | 16 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $1,923 | +0.027% | 14 | |
27 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,569 | +0.288% | 14 | |
28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $2,406 | +0.300% | 11 | |
29 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $3,563 | +0.016% | 38 | |
30 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,229 | +0.163% | 29 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,186 | +0.304% | 16 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,557 | +0.335% | 10 | |
33 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,237 | +0.364% | 23 | |
34 | OriginPoint, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,316 | +0.387% | 19 | |
35 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,111 | +0.117% | 17 | |
36 | American Liberty Mortgage, Incorporated | Sound | Sound | Sound | Acceptable | Sound | $1,472 | -0.111% | 13 | |
37 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Strong | Acceptable | Sound | $5,959 | -0.033% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Boulder, COConventional
No credit impact
3-minute process
100% free