Safe Rate Rankings

Best VA Mortgage Lenders in Colorado Springs

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Colorado Springs Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked VA lender in Colorado Springs, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Colorado Springs, Priority Home Mortgage LP and Nbkc Bank scores highest on VA pricing while United Wholesale Mortgage and Ark La Tex Financial Services leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Colorado Springs, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Colorado Springs: Rocket Mortgage (#7) and Ent Credit Union (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Colorado Springs

Need rankings for a different loan product?

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$2,981Fees	0.215%Below	2,239
2	ENT Credit Union Credit UnionDirect	Exceptional	Strong	Strong	Strong	Exceptional	$1,819Fees	0.231%Below	928
3	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,698Fees	0.217%Below	302
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,062Fees	0.626%Below	171
5	PRIORITY HOME MORTGAGE, L.P. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Strong	Strong	$1,611Fees	1.075%Below	52
6	NBKC BANK BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$943Fees	0.587%Below	33
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,247Fees	0.066%Above	686
8	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,648Fees	0.274%Below	249
9	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$3,012Fees	0.288%Above	104
10	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,921Fees	0.250%Below	99
11	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,133Fees	0.045%Above	254
12	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$3,921Fees	0.068%Above	132
13	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Strong	Exceptional	Exceptional	Sound	$6,495Fees	0.045%Above	50
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,392Fees	0.305%Above	243
15	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,463Fees	0.370%Below	191
16	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,654Fees	0.032%Above	167
17	NBH Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$2,280Fees	0.083%Above	164
18	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,074Fees	0.032%Above	71
19	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Sound	$1,535Credit	0.635%Above	41
20	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,011Fees	0.111%Above	75
21	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,175Fees	0.036%Above	399
22	The Central Trust Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$2,188Fees	0.014%Below	264
23	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,106Fees	0.041%Below	125
24	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,710Fees	0.084%Above	94
25	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,095Fees	0.139%Above	173
26	NEST HOME LENDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Strong	$3,981Fees	0.353%Below	128
27	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,004Fees	0.148%Above	97
28	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,410Fees	0.268%Below	65
29	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,173Fees	0.073%Above	302
30	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Strong*	Exceptional	Strong	Sound	$3,282Fees	0.198%Above	35
31	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Sound	$2,769Fees	0.132%Above	35
32	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$2,830Fees	0.109%Above	31
33	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,484Fees	0.337%Above	164
34	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,303Fees	0.127%Above	111
35	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,212Fees	0.109%Above	36
36	MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,094Fees	0.229%Below	234
37	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,545Fees	0.232%Above	152
38	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,091Fees	0.509%Above	85
39	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,522Fees	0.107%Below	75
40	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,233Fees	0.319%Below	35
41	HUNT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,249Fees	0.305%Below	65
42	INTERCAP LENDING INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$3,059Fees	0.374%Above	36
43	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,176Fees	0.098%Above	60
44	Northpointe Bank BankDirect	Strong	Sound	Strong	Strong	Sound	$3,289Fees	0.155%Above	41
45	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,371Fees	0.063%Above	135
46	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$1,018Fees	0.094%Below	36
47	GoodLeap, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Sound	$4,573Fees	0.043%Above	40
48	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,672Fees	0.026%Above	83
49	Summit Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$2,733Fees	0.016%Below	40
50	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,641Fees	0.194%Above	28

❓ Frequently Asked Questions

How are mortgage lenders ranked in Colorado Springs, CO?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Colorado Springs, CO), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Colorado Springs, CO?+

Based on 2024 HMDA data, 117 lenders originated a combined 11,446 loans in Colorado Springs, CO. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Colorado Springs, CO?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Colorado Springs, CO is 0.07%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Colorado Springs, CO's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.