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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 Colorado Springs

Updated February 5, 2026

Market Overview

117

Total Lenders

11,446

Total Loans

0.07%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	ENT Credit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,819	-0.231%	928
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,062	-0.626%	171
3	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$2,011	+0.111%	75
4	PRIORITY HOME MORTGAGE, L.P.	Exceptional	Exceptional	Strong	Sound	Strong	$1,611	-1.075%	52
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,189	-0.102%	50
6	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,106	-0.041%	125
7	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,025	-0.002%	66
8	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$943	-0.587%	33
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,981	-0.215%	2,239
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,247	+0.066%	686
11	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$2,188	-0.014%	264
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,654	+0.032%	167
13	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$4,303	+0.127%	111
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$3,012	+0.288%	104
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,710	+0.084%	94
16	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,339	+0.044%	48
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,463	-0.370%	191
18	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,545	+0.232%	152
19	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$3,289	+0.155%	41
20	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,018	-0.094%	36
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,173	+0.073%	302
22	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,698	-0.217%	302
23	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,648	-0.274%	249
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,392	+0.305%	243
25	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,484	+0.337%	164
26	NBH Bank	Strong	Sound	Strong	Sound	Strong	$2,280	+0.083%	164
27	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,371	+0.063%	135
28	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,921	+0.068%	132
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,921	-0.250%	99
30	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,004	+0.148%	97
31	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,091	+0.509%	85
32	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,672	+0.026%	83
33	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,522	-0.107%	75
34	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,923	+0.543%	71
35	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,095	+0.139%	173
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,703	+0.243%	129
37	NEST HOME LENDING, LLC	Strong	Sound	Sound	Sound	Strong	$3,981	-0.353%	128
38	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,074	+0.032%	71
39	HUNT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,249	-0.305%	65
40	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,176	+0.098%	60
41	GROUP MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$5,978	-0.014%	47
42	FirstBank	Strong	Sound	Strong	Sound	Sound	$1,386	-0.303%	44
43	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,123	+0.266%	37
44	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,977	+0.369%	36
45	INTERCAP LENDING INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,059	+0.374%	36
46	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$3,212	+0.109%	36
47	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,282	+0.198%	35
48	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,769	+0.132%	35
49	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,830	+0.109%	31
50	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$3,641	+0.194%	28

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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