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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 Mortgage Lenders in Colorado
Updated February 6, 2026
Market Overview
295
Total Lenders
82,332
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,201 | +0.287% | 408 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $246 | -0.469% | 227 | |
3 | ENT Credit Union | Exceptional | Strong | Strong | Exceptional | $1,678 | -0.206% | 1,664 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,142 | -0.594% | 557 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,257 | -0.114% | 463 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $444 | -0.294% | 207 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $635 | -0.038% | 832 | |
9 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,512 | +0.129% | 501 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,199 | -0.159% | 370 | |
11 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,390 | -0.261% | 235 | |
12 | ELEVATIONS | Strong | Sound | Strong | Exceptional | $1,018 | +0.167% | 1,642 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
15 | First Western Trust Bank | Strong | Sound | Strong | Exceptional | $1,616 | +0.076% | 599 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,870 | +0.370% | 593 | |
17 | CANVAS CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,346 | +0.206% | 529 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,368 | +0.003% | 470 | |
19 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | $4,285 | -0.426% | 433 | |
20 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,649 | +0.087% | 290 | |
21 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,785 | -0.146% | 240 | |
22 | Alpine Bank | Strong | Strong | Sound | Strong | $1,466 | +0.135% | 224 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,497 | +0.323% | 2,693 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,829 | +0.395% | 1,986 | |
26 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,141 | +0.280% | 1,214 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,182 | +0.055% | 1,207 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,351 | -0.112% | 937 | |
29 | FirstBank | Strong | Sound | Sound | Exceptional | $1,171 | -0.294% | 881 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,990 | -0.133% | 810 | |
31 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,375 | +0.221% | 609 | |
32 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,273 | +0.470% | 590 | |
33 | The Central Trust Bank | Strong | Sound | Strong | Strong | $2,190 | +0.107% | 554 | |
34 | NBH Bank | Strong | Sound | Strong | Strong | $2,214 | +0.237% | 345 | |
35 | Northpointe Bank | Strong | Sound | Strong | Strong | $3,812 | +0.124% | 272 | |
36 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | $2,258 | +0.196% | 244 | |
37 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $1,984 | +0.301% | 216 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,914 | +0.400% | 1,933 | |
39 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,189 | +0.128% | 972 | |
41 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,535 | +0.391% | 841 | |
42 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,631 | +0.107% | 626 | |
43 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,535 | +0.238% | 446 | |
44 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,886 | +0.348% | 413 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,288 | +0.033% | 389 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,880 | +0.202% | 344 | |
47 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,296 | +0.194% | 327 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,749 | +0.113% | 263 | |
49 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,750 | +0.160% | 238 | |
50 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $1,483 | +0.150% | 202 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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