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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 Company Lenders in Colorado
Updated February 6, 2026
Market Overview
50
Total Lenders
63,684
Total Loans
0.30%
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,257 | -0.114% | 463 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
4 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,390 | -0.261% | 235 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,870 | +0.370% | 593 | |
8 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | $4,285 | -0.426% | 433 | |
9 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,649 | +0.087% | 290 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,497 | +0.323% | 2,693 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,829 | +0.395% | 1,986 | |
13 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,141 | +0.280% | 1,214 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,351 | -0.112% | 937 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,990 | -0.133% | 810 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,375 | +0.221% | 609 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,273 | +0.470% | 590 | |
18 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | $2,258 | +0.196% | 244 | |
19 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $1,984 | +0.301% | 216 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,914 | +0.400% | 1,933 | |
21 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,189 | +0.128% | 972 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,535 | +0.391% | 841 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,631 | +0.107% | 626 | |
25 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,535 | +0.238% | 446 | |
26 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,886 | +0.348% | 413 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,288 | +0.033% | 389 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,880 | +0.202% | 344 | |
29 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,296 | +0.194% | 327 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,749 | +0.113% | 263 | |
31 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,057 | +0.074% | 240 | |
32 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,750 | +0.160% | 238 | |
33 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Strong | $2,597 | +0.236% | 228 | |
34 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $1,483 | +0.150% | 202 | |
35 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Sound | Exceptional | $5,836 | +0.040% | 1,111 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,807 | +0.160% | 978 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,050 | +0.143% | 844 | |
38 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $3,648 | +0.238% | 552 | |
39 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,200 | +0.149% | 541 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,367 | +0.386% | 484 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,470 | +0.195% | 412 | |
42 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $3,356 | +0.192% | 392 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,650 | +0.246% | 367 | |
44 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $2,066 | +0.112% | 317 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,078 | +0.232% | 300 | |
46 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,077 | +0.172% | 223 | |
47 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,648 | +0.323% | 171 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,830 | +0.422% | 1,035 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,825 | +0.204% | 742 | |
50 | THE MORTGAGE COMPANY | Sound | Acceptable | Sound | Strong | $3,871 | +0.293% | 213 |
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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