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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 Company Lenders in Colorado
Updated February 6, 2026
Market Overview
50
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 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,390 | -0.261% | 235 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,201 | +0.287% | 408 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,351 | -0.112% | 937 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,870 | +0.370% | 593 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | +0.323% | 171 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,990 | -0.133% | 810 | |
9 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,535 | +0.238% | 446 | |
10 | NEST HOME LENDING, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,285 | -0.426% | 433 | |
11 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,066 | +0.112% | 317 | |
12 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,649 | +0.087% | 290 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.395% | 1,986 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,141 | +0.280% | 1,214 | |
16 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $5,836 | +0.040% | 1,111 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,050 | +0.143% | 844 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,273 | +0.470% | 590 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,886 | +0.348% | 413 | |
20 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.232% | 300 | |
21 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,057 | +0.074% | 240 | |
22 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,750 | +0.160% | 238 | |
23 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,984 | +0.301% | 216 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497 | +0.323% | 2,693 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,825 | +0.204% | 742 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,631 | +0.107% | 626 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,880 | +0.202% | 344 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,749 | +0.113% | 263 | |
31 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | Strong | $2,258 | +0.196% | 244 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,189 | +0.128% | 972 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,535 | +0.391% | 841 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,375 | +0.221% | 609 | |
35 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,648 | +0.238% | 552 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,200 | +0.149% | 541 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,367 | +0.386% | 484 | |
38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,356 | +0.192% | 392 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,650 | +0.246% | 367 | |
40 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Sound | Strong | $2,597 | +0.236% | 228 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,077 | +0.172% | 223 | |
42 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $3,285 | +0.338% | 168 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,914 | +0.400% | 1,933 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,807 | +0.160% | 978 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,288 | +0.033% | 389 | |
46 | GROUP MORTGAGE, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $4,296 | +0.194% | 327 | |
47 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,404 | +0.659% | 257 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,600 | +0.382% | 558 | |
49 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,870 | +0.491% | 544 | |
50 | THE MORTGAGE COMPANY | Strong | Acceptable | Sound | Strong | 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 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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