🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,678 | -0.206% | 1,664 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,142 | -0.594% | 557 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,257 | -0.114% | 463 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $635 | -0.038% | 832 | |
5 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,616 | +0.076% | 599 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512 | +0.129% | 501 | |
7 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,201 | +0.287% | 408 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,199 | -0.159% | 370 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $246 | -0.469% | 227 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $444 | -0.294% | 207 | |
11 | ELEVATIONS | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,018 | +0.167% | 1,642 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,368 | +0.003% | 470 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
16 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,141 | +0.280% | 1,214 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,182 | +0.055% | 1,207 | |
18 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,375 | +0.221% | 609 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,870 | +0.370% | 593 | |
20 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $2,190 | +0.107% | 554 | |
21 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,081 | +0.251% | 514 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,288 | +0.033% | 389 | |
23 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $1,394 | +0.080% | 286 | |
24 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $3,812 | +0.124% | 272 | |
25 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $1,785 | -0.146% | 240 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,077 | +0.172% | 223 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497 | +0.323% | 2,693 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,829 | +0.395% | 1,986 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,914 | +0.400% | 1,933 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
32 | FirstBank | Strong | Sound | Strong | Sound | Exceptional | $1,171 | -0.294% | 881 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,990 | -0.133% | 810 | |
34 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,390 | -0.261% | 235 | |
35 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $836 | -0.240% | 173 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,189 | +0.128% | 972 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,050 | +0.143% | 844 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,535 | +0.391% | 841 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,600 | +0.382% | 558 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,367 | +0.386% | 484 | |
41 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,535 | +0.238% | 446 | |
42 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,998 | +0.085% | 416 | |
43 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,886 | +0.348% | 413 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,470 | +0.195% | 412 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,880 | +0.202% | 344 | |
46 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,296 | +0.194% | 327 | |
47 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,066 | +0.112% | 317 | |
48 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,078 | +0.232% | 300 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,749 | +0.113% | 263 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,992 | +0.150% | 252 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
ColoradoConventional
No credit impact
3-minute process
100% free