Safe Rate Rankings

Best Conventional 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 Lenders117

Total Loans11,446

Median Rate Spread0.07%

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