Safe Rate Rankings

Best Mortgage Company 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 Lenders50

Total Loans8,996

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$1,611Fees	1.075%Below	52
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,981Fees	0.215%Below	2,239
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$2,189Fees	0.102%Below	50
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,106Fees	0.041%Below	125
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,012Fees	0.288%Above	104
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,247Fees	0.066%Above	686
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,698Fees	0.217%Below	302
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,648Fees	0.274%Below	249
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,463Fees	0.370%Below	191
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,654Fees	0.032%Above	167
11	NEST HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,981Fees	0.353%Below	128
12	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,303Fees	0.127%Above	111
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,173Fees	0.073%Above	302
14	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,133Fees	0.045%Above	254
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,392Fees	0.305%Above	243
16	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,545Fees	0.232%Above	152
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,921Fees	0.068%Above	132
18	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,921Fees	0.250%Below	99
19	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Strong	Sound	Sound	Strong	$4,078Fees	0.210%Above	43
20	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,535Credit	0.635%Above	41
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,175Fees	0.036%Above	399
22	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,094Fees	0.229%Below	234
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,484Fees	0.337%Above	164
24	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,371Fees	0.063%Above	135
25	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,004Fees	0.148%Above	97
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,091Fees	0.509%Above	85
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,672Fees	0.026%Above	83
28	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,074Fees	0.032%Above	71
29	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,249Fees	0.305%Below	65
30	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,176Fees	0.098%Above	60
31	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,978Fees	0.014%Below	47
32	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$4,573Fees	0.043%Above	40
33	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,123Fees	0.266%Above	37
34	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,059Fees	0.374%Above	36
35	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,018Fees	0.094%Below	36
36	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,233Fees	0.319%Below	35
37	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,830Fees	0.109%Above	31
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,641Fees	0.194%Above	28
39	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,095Fees	0.139%Above	173
40	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,703Fees	0.243%Above	129
41	Summit Mortgage CorporationIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,733Fees	0.016%Below	40
42	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,977Fees	0.369%Above	36
43	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,282Fees	0.198%Above	35
44	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,769Fees	0.132%Above	35
45	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,457Fees	0.528%Above	27
46	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,923Fees	0.543%Above	71
47	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,086Fees	0.323%Below	52
48	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,659Fees	0.360%Above	39
49	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,734Fees	0.003%Below	37
50	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,020Fees	0.160%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 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.