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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 FHA 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 | Exceptional | Strong | Strong | Exceptional | $1,678 | -0.206% | 1,664 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,390 | -0.261% | 235 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,201 | +0.287% | 408 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,351 | -0.112% | 937 | |
6 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,616 | +0.076% | 599 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,870 | +0.370% | 593 | |
8 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512 | +0.129% | 501 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $444 | -0.294% | 207 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | +0.323% | 171 | |
11 | ELEVATIONS | Exceptional | Strong | Sound | Strong | Exceptional | $1,018 | +0.167% | 1,642 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $635 | -0.038% | 832 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,990 | -0.133% | 810 | |
15 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,535 | +0.238% | 446 | |
16 | NEST HOME LENDING, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,285 | -0.426% | 433 | |
17 | NBH Bank | Exceptional | Strong | Strong | Strong | Strong | $2,214 | +0.237% | 345 | |
18 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,066 | +0.112% | 317 | |
19 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,649 | +0.087% | 290 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.395% | 1,986 | |
22 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,141 | +0.280% | 1,214 | |
23 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $5,836 | +0.040% | 1,111 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,050 | +0.143% | 844 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,273 | +0.470% | 590 | |
26 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $2,190 | +0.107% | 554 | |
27 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,998 | +0.085% | 416 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,886 | +0.348% | 413 | |
29 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.232% | 300 | |
30 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $3,812 | +0.124% | 272 | |
31 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,992 | +0.150% | 252 | |
32 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,057 | +0.074% | 240 | |
33 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,750 | +0.160% | 238 | |
34 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,984 | +0.301% | 216 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497 | +0.323% | 2,693 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,825 | +0.204% | 742 | |
39 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,631 | +0.107% | 626 | |
40 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,422 | +0.407% | 394 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,880 | +0.202% | 344 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,749 | +0.113% | 263 | |
43 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | Strong | $2,258 | +0.196% | 244 | |
44 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,189 | +0.128% | 972 | |
45 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,535 | +0.391% | 841 | |
46 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,375 | +0.221% | 609 | |
47 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,648 | +0.238% | 552 | |
48 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,200 | +0.149% | 541 | |
49 | Bank of Colorado | Strong | Acceptable | Strong | Strong | Exceptional | $3,367 | +0.199% | 518 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,367 | +0.386% | 484 |
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.
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