Safe Rate Rankings

Best Mortgage Lenders in Denver

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders230

Total Loans42,377

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$6,153Credit	0.239%Above	264
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$193Fees	0.478%Below	116
3	ENT Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$1,475Fees	0.234%Below	366
4	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,076Fees	0.105%Below	287
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,228Fees	0.609%Below	231
6	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$496Fees	0.264%Below	118
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,823Fees	0.085%Above	6,898
8	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$598Fees	0.060%Below	447
9	The Huntington National BankBank	Strong	Strong	Strong	Strong	$1,351Fees	0.099%Above	322
10	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,273Fees	0.153%Below	254
11	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$2,686Fees	0.165%Below	140
12	ELEVATIONSCredit Union	Strong	Sound	Strong	Exceptional	$943Fees	0.193%Above	702
13	CANVAS CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$1,421Fees	0.186%Above	405
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,240Fees	0.002%Below	242
15	M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,230Fees	0.172%Above	225
16	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,764Fees	0.094%Above	194
17	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Strong	$2,274Fees	0.228%Below	108
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,433Fees	0.104%Above	2,715
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,203Fees	0.315%Above	1,279
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,844Fees	0.359%Above	1,086
21	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,283Fees	0.296%Above	837
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,867Fees	0.080%Below	752
23	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,086Fees	0.033%Above	751
24	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,092Fees	0.064%Above	547
25	FirstBankBank	Strong	Sound	Sound	Exceptional	$1,182Fees	0.307%Below	493
26	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,089Fees	0.027%Below	454
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,656Fees	0.086%Below	382
28	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,289Fees	0.617%Above	376
29	NEST HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,314Fees	0.457%Below	246
30	First Western Trust BankBank	Strong	Sound	Strong	Strong	$939Fees	0.009%Above	197
31	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,324Fees	0.117%Above	185
32	Northpointe BankBank	Strong	Sound	Strong	Strong	$4,078Fees	0.049%Above	147
33	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,159Fees	0.277%Above	108
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,827Fees	0.402%Above	1,009
35	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,804Fees	0.227%Above	624
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,531Fees	0.408%Above	546
37	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,977Fees	0.133%Above	512
38	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,749Fees	0.367%Above	316
39	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,573Fees	0.189%Above	312
40	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$1,305Fees	0.034%Above	226
41	BMO Bank National AssociationBank	Strong	Sound	Sound	Strong	$1,524Fees	0.053%Above	203
42	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,511Fees	0.133%Above	193
43	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,978Fees	0.214%Above	187
44	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,144Fees	0.233%Above	169
45	WESTERRA CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$1,803Fees	0.148%Above	164
46	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$807Fees	0.087%Above	162
47	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,624Fees	0.161%Above	148
48	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,457Fees	0.150%Above	143
49	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Strong	Sound	Sound	Strong	$2,018Fees	0.266%Above	116
50	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,193Fees	0.303%Above	96

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.