Safe Rate Rankings

Best All Lender Mortgage Lenders in Fort Collins

Updated May 22, 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 Lenders75

Total Loans4,523

Median Rate Spread0.11%

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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	$5,945Credit	0.260%Above	50
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,801Fees	0.051%Above	693
3	ENT Credit UnionCredit Union	Strong	Strong	Strong	Strong	$1,009Fees	0.248%Below	77
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$490Fees	0.010%Below	60
5	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,335Fees	0.647%Below	60
6	First National Bank of OmahaBank	Strong	Strong	Strong	Strong	$1,827Fees	0.289%Above	50
7	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,851Fees	0.068%Below	29
8	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$628Fees	0.470%Below	25
9	First Western Trust BankBank	Strong	Sound	Strong	Exceptional	$2,297Fees	0.051%Above	244
10	ELEVATIONSCredit Union	Strong	Sound	Strong	Exceptional	$1,433Fees	0.113%Above	182
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$3,490Fees	0.147%Above	170
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,016Fees	0.129%Above	258
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,207Fees	0.303%Above	195
14	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$4,039Fees	0.171%Above	124
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,198Fees	0.178%Above	86
16	CANVAS CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	$541Fees	0.187%Above	45
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,569Fees	0.074%Above	30
18	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,055Fees	0.151%Above	150
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,446Fees	0.474%Above	121
20	FirstBankBank	Strong	Sound	Sound	Strong	$1,047Fees	0.319%Below	75
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,193Fees	0.225%Above	65
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,547Fees	0.207%Below	39
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,019Fees	0.072%Below	33
24	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,375Credit	0.626%Above	25
25	Bank of ColoradoBank	Strong	Acceptable	Sound	Exceptional	$3,052Fees	0.162%Above	112
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,178Fees	0.339%Above	92
27	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,510Fees	0.118%Above	71
28	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$3,877Fees	0.382%Above	62
29	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,032Fees	0.026%Below	26
30	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,438Fees	0.166%Above	22
31	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,780Fees	0.017%Below	21
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,214Fees	0.506%Above	20
33	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,659Fees	0.395%Above	20
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,172Fees	0.268%Above	51
35	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$5,863Fees	0.083%Above	50
36	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$440Credit	0.479%Above	36
37	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,300Fees	0.233%Above	34
38	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,923Fees	0.336%Above	28
39	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,066Fees	0.127%Above	28
40	Gateway First BankBank	Sound	Acceptable	Strong	Sound	$5,309Fees	0.216%Above	27
41	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,025Fees	0.033%Below	25
42	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,404Fees	0.434%Above	23
43	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,607Fees	0.467%Above	59
44	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,070Fees	0.191%Above	26

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.