# Best Mortgage Lenders in Fort Collins

**As of:** 2026-05-22

Compare the top mortgage lenders in Fort Collins. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/fort-collins/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 75
- **Total Loans:** 4,523
- **Median Rate Spread:** 0.11338666666666666%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | MEGASTAR FINANCIAL CORP. | 86 | 88 | 60 | 50 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 693 | Independent Mortgage Company |
| 3 | ENT Credit Union | 80 | 74 | 72 | 77 | Credit Union |
| 4 | U.S. Bank National Association | 80 | 75 | 71 | 60 | Bank |
| 5 | JET HOMELOANS, LP | 80 | 71 | 77 | 60 | Independent Mortgage Company |
| 6 | First National Bank of Omaha | 80 | 67 | 65 | 50 | Bank |
| 7 | First Western Trust Bank | 78 | 60 | 77 | 244 | Bank |
| 8 | ELEVATIONS | 78 | 50 | 76 | 182 | Credit Union |
| 9 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 170 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 258 | Independent Mortgage Company |
| 11 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 195 | Independent Mortgage Company |
| 12 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 124 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 86 | Bank |
| 14 | CANVAS CREDIT UNION | 73 | 44 | 62 | 45 | Credit Union |
| 15 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 29 | Independent Mortgage Company |
| 16 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 25 | Credit Union |
| 17 | GROUP MORTGAGE, LLC | 68 | 21 | 74 | 150 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 121 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 65 | Independent Mortgage Company |
| 20 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 39 | Independent Mortgage Company |
| 21 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 33 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 30 | Bank |
| 23 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 25 | Independent Mortgage Company |
| 24 | FirstBank | 66 | 52 | 55 | 75 | Bank |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 92 | Independent Mortgage Company |
| 26 | THE LOAN STORE, INC. | 63 | 40 | 77 | 71 | Independent Mortgage Company |
| 27 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 62 | Bank |
| 28 | Bank of Colorado | 62 | 24 | 60 | 112 | Bank |
| 29 | NMSI, INC. | 62 | 33 | 92 | 22 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 20 | Independent Mortgage Company |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 26 | Independent Mortgage Company |
| 32 | RESICENTRAL, LLC | 60 | 57 | 53 | 21 | Independent Mortgage Company |
| 33 | American Liberty Mortgage, Incorporated | 60 | 41 | 50 | 20 | Independent Mortgage Company |
| 34 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 51 | Independent Mortgage Company |
| 35 | AMERICAN FINANCING CORPORATION | 58 | 36 | 44 | 50 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 58 | 34 | 70 | 36 | Independent Mortgage Company |
| 37 | LOWER, LLC | 58 | 30 | 71 | 34 | Independent Mortgage Company |
| 38 | KIND LENDING, LLC | 58 | 39 | 73 | 28 | Independent Mortgage Company |
| 39 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 28 | Independent Mortgage Company |
| 40 | Gateway First Bank | 58 | 29 | 79 | 27 | Bank |
| 41 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 25 | Independent Mortgage Company |
| 42 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 23 | Independent Mortgage Company |
| 43 | NEWREZ LLC | 52 | 35 | 59 | 26 | Independent Mortgage Company |
| 44 | Luminate Home Loans, Inc. | 50 | 13 | 66 | 59 | Independent Mortgage Company |
| 45 | HARMONY HOME LENDING, LLC | 49 | N/A | 54 | 72 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Fort Collins.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.