Safe Rate Rankings

Best Jumbo 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$598Fees	0.060%Below	447
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,273Fees	0.153%Below	254
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,240Fees	0.002%Below	242
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$193Fees	0.478%Below	116
5	ENT Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,475Fees	0.234%Below	366
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,228Fees	0.609%Below	231
7	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,092Fees	0.064%Above	547
8	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Strong	$6,153Credit	0.239%Above	264
9	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,524Fees	0.053%Above	203
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,823Fees	0.085%Above	6,898
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,433Fees	0.104%Above	2,715
12	FirstBankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,182Fees	0.307%Below	493
13	Zions Bancorporation, N.A.Bank	Exceptional	Strong	Exceptional	Sound	Strong	$2,274Fees	0.228%Below	108
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,086Fees	0.033%Above	751
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,531Fees	0.408%Above	546
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,977Fees	0.133%Above	512
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,656Fees	0.086%Below	382
18	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,573Fees	0.189%Above	312
19	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,511Fees	0.133%Above	193
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,203Fees	0.315%Above	1,279
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,844Fees	0.359%Above	1,086
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,827Fees	0.402%Above	1,009
23	ELEVATIONSCredit Union	Strong	Acceptable	Exceptional	Strong	Exceptional	$943Fees	0.193%Above	702
24	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,749Fees	0.367%Above	316
25	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,661Fees	0.281%Above	229
26	First Western Trust BankBank	Strong	Sound	Strong	Strong	Strong	$939Fees	0.009%Above	197
27	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,457Fees	0.150%Above	143
28	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,484Fees	0.299%Above	109
29	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,283Fees	0.296%Above	837
30	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,040Fees	0.135%Above	493
31	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,602Fees	0.238%Above	419
32	CANVAS CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$1,421Fees	0.186%Above	405
33	The Huntington National BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,351Fees	0.099%Above	322
34	BOKF, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,294Fees	0.273%Above	230
35	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,687Fees	0.319%Above	136
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,071Fees	0.419%Above	572
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,328Fees	0.216%Above	334
38	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$2,788Fees	0.110%Above	264
39	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,117Fees	0.344%Above	235
40	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,127Fees	0.219%Above	158
41	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Sound	Strong	$666Fees	0.093%Below	308
42	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,324Fees	0.117%Above	185
43	WESTERRA CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Sound	Strong	$1,803Fees	0.148%Above	164
44	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,100Fees	0.479%Above	357
45	Commerce Home Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$451Fees	0.418%Above	88
46	Ixonia BankBank	Sound	Mediocre	Strong	Sound	Strong	$3,421Fees	0.502%Above	330
47	SELECT LENDING SERVICES LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Acceptable	Strong	$2,052Fees	0.290%Above	89

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.