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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Fort Collins

Updated February 5, 2026

Market Overview

Total Lenders

4,523

Total Loans

0.11%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	First Western Trust Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,297	+0.051%	244
2	ENT Credit Union	Exceptional	Strong	Exceptional	Strong	Strong	$1,009	-0.248%	77
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$490	-0.010%	60
4	First National Bank of Omaha	Exceptional	Strong	Exceptional	Strong	Strong	$1,827	+0.289%	50
5	MEGASTAR FINANCIAL CORP.	Exceptional	Exceptional	Strong	Sound	Strong	-$5,945	+0.260%	50
6	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,851	-0.068%	29
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$628	-0.470%	25
8	ELEVATIONS	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,433	+0.113%	182
9	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,490	+0.147%	170
10	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Sound	$2,396	+0.144%	18
11	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$340	-0.200%	18
12	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$495	-0.276%	14
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,801	+0.051%	693
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,016	+0.129%	258
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,198	+0.178%	86
16	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,569	+0.074%	30
17	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,207	+0.303%	195
18	JET HOMELOANS, LP	Strong	Sound	Strong	Strong	Strong	$1,335	-0.647%	60
19	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,032	-0.026%	26
20	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$2,110	+0.127%	18
21	GROUP MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,055	+0.151%	150
22	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,039	+0.171%	124
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,446	+0.474%	121
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,178	+0.339%	92
25	FirstBank	Strong	Sound	Strong	Sound	Strong	$1,047	-0.319%	75
26	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,510	+0.118%	71
27	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,193	+0.225%	65
28	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$2,019	-0.072%	33
29	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,933	+0.187%	16
30	Bank of Colorado	Strong	Acceptable	Strong	Sound	Exceptional	$3,052	+0.162%	112
31	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,172	+0.268%	51
32	CANVAS CREDIT UNION	Strong	Sound	Sound	Sound	Strong	$541	+0.187%	45
33	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$3,547	-0.207%	39
34	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,300	+0.233%	34
35	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,923	+0.336%	28
36	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,066	+0.127%	28
37	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Sound	$5,309	+0.216%	27
38	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,025	-0.033%	25
39	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$2,438	+0.166%	22
40	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Sound	$1,780	-0.017%	21
41	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,214	+0.506%	20
42	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Sound	$2,726	+0.191%	19
43	FIRST TECHNOLOGY FEDERAL CREDIT UNION	Strong	Sound	Strong	Sound	Sound	$133	-0.132%	18
44	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,727	+0.113%	17
45	Bell Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,300	+0.228%	16
46	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$4,451	+0.443%	13
47	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,464	+0.659%	13
48	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,061	+0.054%	11
49	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Sound	-$2,375	+0.626%	25
50	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,029	+0.153%	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.

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