Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Fort Collins

Updated May 26, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,297Fees	0.051%Above	244
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$490Fees	0.010%Below	60
3	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,827Fees	0.289%Above	50
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,396Fees	0.144%Above	18
5	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$340Fees	0.200%Below	18
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$495Fees	0.276%Below	14
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,198Fees	0.178%Above	86
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,569Fees	0.074%Above	30
9	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,047Fees	0.319%Below	75
10	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Exceptional	$3,052Fees	0.162%Above	112
11	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,309Fees	0.216%Above	27
12	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,300Fees	0.228%Above	16
13	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,877Fees	0.382%Above	62
14	Adams Bank & TrustBank	Strong	Sound	Sound	Sound	Sound	$1,300Fees	0.978%Above	15
15	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,101Fees	0.048%Below	11
16	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$3,810Fees	0.480%Above	14
17	Independent BankBank	Sound	Acceptable	Sound	Sound	Sound	$3,143Fees	0.289%Above	12
18	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Sound	$3,142Fees	0.568%Above	12

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.