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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,819 | -0.231% | 928 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,981 | -0.215% | 2,239 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,648 | -0.274% | 249 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,012 | +0.288% | 104 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,463 | -0.370% | 191 | |
6 | NBH Bank | Exceptional | Strong | Strong | Strong | Strong | $2,280 | +0.083% | 164 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,106 | -0.041% | 125 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,247 | +0.066% | 686 | |
9 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $2,188 | -0.014% | 264 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,654 | +0.032% | 167 | |
11 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $3,981 | -0.353% | 128 | |
12 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,004 | +0.148% | 97 | |
13 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,522 | -0.107% | 75 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,573 | +0.043% | 40 | |
15 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,769 | +0.132% | 35 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,133 | +0.045% | 254 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,392 | +0.305% | 243 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,095 | +0.139% | 173 | |
19 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,545 | +0.232% | 152 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | -$1,535 | +0.635% | 41 | |
21 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,289 | +0.155% | 41 | |
22 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $2,123 | +0.266% | 37 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,212 | +0.109% | 36 | |
24 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,282 | +0.198% | 35 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,173 | +0.073% | 302 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | -0.217% | 302 | |
27 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,094 | -0.229% | 234 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,371 | +0.063% | 135 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,921 | +0.068% | 132 | |
30 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,303 | +0.127% | 111 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,921 | -0.250% | 99 | |
32 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,091 | +0.509% | 85 | |
33 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,495 | +0.045% | 50 | |
34 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Sound | $4,734 | -0.003% | 37 | |
35 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,059 | +0.374% | 36 | |
36 | VILLAGE CAPITAL & INVESTMENT LLC | Strong | Sound | Strong | Sound | Sound | $2,158 | -0.387% | 36 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,641 | +0.194% | 28 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,457 | +0.528% | 27 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,484 | +0.337% | 164 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,672 | +0.026% | 83 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,923 | +0.543% | 71 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,086 | -0.323% | 52 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,659 | +0.360% | 39 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,018 | -0.094% | 36 | |
45 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,020 | +0.160% | 28 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,703 | +0.243% | 129 | |
47 | Loan Simple, Inc. | Sound | Mediocre | Strong | Strong | Strong | $4,326 | +0.561% | 51 | |
48 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $4,192 | +0.265% | 40 | |
49 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $5,085 | +0.640% | 39 | |
50 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,464 | +0.704% | 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)
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.
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