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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 VA 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 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,390 | -0.261% | 235 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,893 | +0.036% | 12,892 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $444 | -0.294% | 207 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615 | +0.070% | 1,267 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,142 | -0.594% | 557 | |
6 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,201 | +0.287% | 408 | |
7 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,422 | +0.407% | 394 | |
8 | ENT Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,678 | -0.206% | 1,664 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,351 | -0.112% | 937 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $635 | -0.038% | 832 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,990 | -0.133% | 810 | |
12 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,273 | +0.470% | 590 | |
13 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512 | +0.129% | 501 | |
14 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,650 | +0.246% | 367 | |
15 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,078 | +0.232% | 300 | |
16 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | +0.323% | 171 | |
17 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830 | +0.003% | 1,535 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,182 | +0.055% | 1,207 | |
19 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,189 | +0.128% | 972 | |
20 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,535 | +0.391% | 841 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,870 | +0.370% | 593 | |
22 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,535 | +0.238% | 446 | |
23 | NEST HOME LENDING, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,285 | -0.426% | 433 | |
24 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,066 | +0.112% | 317 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,749 | +0.113% | 263 | |
26 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,376 | -0.143% | 253 | |
27 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,057 | +0.074% | 240 | |
28 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,285 | +0.338% | 168 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725 | +0.126% | 5,153 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.395% | 1,986 | |
31 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,050 | +0.143% | 844 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,825 | +0.204% | 742 | |
33 | First Western Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $1,616 | +0.076% | 599 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,367 | +0.386% | 484 | |
35 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,998 | +0.085% | 416 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,288 | +0.033% | 389 | |
37 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,649 | +0.087% | 290 | |
38 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,992 | +0.150% | 252 | |
39 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,750 | +0.160% | 238 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,077 | +0.172% | 223 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497 | +0.323% | 2,693 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,914 | +0.400% | 1,933 | |
43 | ELEVATIONS | Strong | Sound | Strong | Sound | Exceptional | $1,018 | +0.167% | 1,642 | |
44 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,141 | +0.280% | 1,214 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890 | +0.215% | 1,121 | |
46 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,631 | +0.107% | 626 | |
47 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $2,190 | +0.107% | 554 | |
48 | NBH Bank | Strong | Sound | Strong | Strong | Strong | $2,214 | +0.237% | 345 | |
49 | Northpointe Bank | Strong | Sound | Strong | Strong | Strong | $3,812 | +0.124% | 272 | |
50 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,597 | +0.236% | 228 |
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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