Safe Rate Rankings

Best Conventional 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	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	ENT Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Strong	$1,009Fees	0.248%Below	77
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$490Fees	0.010%Below	60
4	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,827Fees	0.289%Above	50
5	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Strong	$5,945Credit	0.260%Above	50
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,851Fees	0.068%Below	29
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$628Fees	0.470%Below	25
8	ELEVATIONSCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,433Fees	0.113%Above	182
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,490Fees	0.147%Above	170
10	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,396Fees	0.144%Above	18
11	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$340Fees	0.200%Below	18
12	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$495Fees	0.276%Below	14
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,801Fees	0.051%Above	693
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,016Fees	0.129%Above	258
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,198Fees	0.178%Above	86
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,569Fees	0.074%Above	30
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,207Fees	0.303%Above	195
18	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,335Fees	0.647%Below	60
19	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,032Fees	0.026%Below	26
20	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,110Fees	0.127%Above	18
21	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,055Fees	0.151%Above	150
22	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,039Fees	0.171%Above	124
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,446Fees	0.474%Above	121
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,178Fees	0.339%Above	92
25	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,047Fees	0.319%Below	75
26	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,510Fees	0.118%Above	71
27	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,193Fees	0.225%Above	65
28	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,019Fees	0.072%Below	33
29	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,933Fees	0.187%Above	16
30	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Exceptional	$3,052Fees	0.162%Above	112
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,172Fees	0.268%Above	51
32	CANVAS CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Strong	$541Fees	0.187%Above	45
33	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,547Fees	0.207%Below	39
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,300Fees	0.233%Above	34
35	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,923Fees	0.336%Above	28
36	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,066Fees	0.127%Above	28
37	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,309Fees	0.216%Above	27
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,025Fees	0.033%Below	25
39	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Sound	$2,438Fees	0.166%Above	22
40	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,780Fees	0.017%Below	21
41	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,214Fees	0.506%Above	20
42	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,726Fees	0.191%Above	19
43	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Sound	$133Fees	0.132%Below	18
44	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,727Fees	0.113%Above	17
45	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,300Fees	0.228%Above	16
46	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,451Fees	0.443%Above	13
47	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,464Fees	0.659%Above	13
48	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,061Fees	0.054%Above	11
49	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,375Credit	0.626%Above	25
50	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,029Fees	0.153%Above	14

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.