Safe Rate Rankings

Best Bank Mortgage Lenders in Colorado Springs

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 Lenders15

Total Loans1,258

Median Rate Spread-0.01%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Strong	Strong	Strong	Strong	$2,011Fees	0.111%Above	75
2	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$943Fees	0.587%Below	33
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,025Fees	0.002%Below	66
4	The Central Trust BankBank	Strong	Sound	Strong	Strong	$2,188Fees	0.014%Below	264
5	NBH BankBank	Strong	Sound	Strong	Strong	$2,280Fees	0.083%Above	164
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,710Fees	0.084%Above	94
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,339Fees	0.044%Above	48
8	Northpointe BankBank	Strong	Sound	Strong	Sound	$3,289Fees	0.155%Above	41
9	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$3,522Fees	0.107%Below	75
10	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,410Fees	0.268%Below	65
11	FirstBankBank	Strong	Sound	Sound	Sound	$1,386Fees	0.303%Below	44
12	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Acceptable	Strong	Sound	$6,495Fees	0.045%Above	50
13	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$3,212Fees	0.109%Above	36
14	Ixonia BankBank	Sound	Mediocre	Strong	Sound	$4,192Fees	0.265%Above	40
15	The Federal Savings BankBank	Sound	Mediocre	Sound	Sound	$4,458Fees	0.376%Above	44

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.