Safe Rate Rankings

Best Bank 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 Lenders18

Total Loans6,151

Median Rate Spread0.05%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$193Fees	0.478%Below	116
2	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$496Fees	0.264%Below	118
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$598Fees	0.060%Below	447
4	The Huntington National BankBank	Strong	Strong	Strong	Strong	$1,351Fees	0.099%Above	322
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,273Fees	0.153%Below	254
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,240Fees	0.002%Below	242
7	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Strong	$2,274Fees	0.228%Below	108
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,086Fees	0.033%Above	751
9	FirstBankBank	Strong	Sound	Sound	Exceptional	$1,182Fees	0.307%Below	493
10	First Western Trust BankBank	Strong	Sound	Strong	Strong	$939Fees	0.009%Above	197
11	Northpointe BankBank	Strong	Sound	Strong	Strong	$4,078Fees	0.049%Above	147
12	BMO Bank National AssociationBank	Strong	Sound	Sound	Strong	$1,524Fees	0.053%Above	203
13	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	$666Fees	0.093%Below	308
14	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$2,788Fees	0.110%Above	264
15	BOKF, National AssociationBank	Strong	Acceptable	Strong	Strong	$1,294Fees	0.273%Above	230
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,981Fees	0.143%Above	151
17	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,954Fees	0.207%Below	96
18	Ixonia BankBank	Sound	Mediocre	Strong	Strong	$3,421Fees	0.502%Above	330

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.