Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Colorado

Updated February 6, 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 Lenders24

Total Loans82,332

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$635Fees	0.038%Below	832
2	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,616Fees	0.076%Above	599
3	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,512Fees	0.129%Above	501
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,199Fees	0.159%Below	370
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$246Fees	0.469%Below	227
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$444Fees	0.294%Below	207
7	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,368Fees	0.003%Above	470
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,182Fees	0.055%Above	1,207
9	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,190Fees	0.107%Above	554
10	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,081Fees	0.251%Above	514
11	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Strong	$1,394Fees	0.080%Above	286
12	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,812Fees	0.124%Above	272
13	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Strong	$1,785Fees	0.146%Below	240
14	FirstBankBank	Strong	Sound	Strong	Sound	Exceptional	$1,171Fees	0.294%Below	881
15	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Strong	$836Fees	0.240%Below	173
16	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,998Fees	0.085%Above	416
17	NBH BankBank	Strong	Sound	Strong	Sound	Strong	$2,214Fees	0.237%Above	345
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,992Fees	0.150%Above	252
19	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Exceptional	$3,367Fees	0.199%Above	518
20	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Strong	$821Fees	0.086%Below	357
21	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$2,376Fees	0.143%Below	253
22	Alpine BankBank	Strong	Sound	Sound	Sound	Strong	$1,466Fees	0.135%Above	224
23	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,491Fees	0.474%Above	482
24	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$4,422Fees	0.407%Above	394

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.