Safe Rate Rankings

Best VA Mortgage Bank 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.
Total Lenders12
Total Loans11,446
Median Rate Spread0.07%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NBKC BANKBank
Exceptional
Exceptional
Exceptional
Strong
Sound
$943Fees
0.587%Below
33
2
The Huntington National BankBank
Exceptional
Strong
Exceptional
Strong
Strong
$2,011Fees
0.111%Above
75
3
CORNERSTONE CAPITAL BANK, SSBBank
Exceptional
Strong
Exceptional
Exceptional
Sound
$6,495Fees
0.045%Above
50
4
JPMorgan Chase Bank, National AssociationBank
Exceptional
Strong
Exceptional
Sound
Strong
$1,710Fees
0.084%Above
94
5
Plains Commerce BankBank
Strong
Sound
Exceptional
Strong
Strong
$3,522Fees
0.107%Below
75
6
USAA Federal Savings BankBank
Strong
Strong
Exceptional
Sound
Sound
$2,410Fees
0.268%Below
65
7
The Central Trust BankBank
Strong
Sound
Strong
Strong
Strong
$2,188Fees
0.014%Below
264
8
NBH BankBank
Strong
Sound
Strong
Strong
Strong
$2,280Fees
0.083%Above
164
9
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Strong
Sound
$3,212Fees
0.109%Above
36
10
Northpointe BankBank
Strong
Sound
Strong
Strong
Sound
$3,289Fees
0.155%Above
41
11
Ixonia BankBank
Sound
Mediocre
Exceptional
Strong
Sound
$4,192Fees
0.265%Above
40
12
The Federal Savings BankBank
Sound
Mediocre
Exceptional
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 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.