# Best Conventional Mortgage Lenders in Fort Collins

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

Compare the top Conventional mortgage lenders in Fort Collins. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | First Western Trust Bank | 85 | 64 | 73 | 244 | Bank |
| 2 | ENT Credit Union | 85 | 74 | 69 | 77 | Credit Union |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 60 | Bank |
| 4 | First National Bank of Omaha | 85 | 67 | 65 | 50 | Bank |
| 5 | ELEVATIONS | 83 | 56 | 75 | 182 | Credit Union |
| 6 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 170 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 693 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 258 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 86 | Bank |
| 10 | MEGASTAR FINANCIAL CORP. | 79 | 86 | 53 | 50 | Independent Mortgage Company |
| 11 | The Huntington National Bank | 79 | 63 | 75 | 18 | Bank |
| 12 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 29 | Independent Mortgage Company |
| 13 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 25 | Credit Union |
| 14 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 195 | Independent Mortgage Company |
| 15 | JET HOMELOANS, LP | 74 | 53 | 65 | 60 | Independent Mortgage Company |
| 16 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 30 | Bank |
| 17 | NBKC BANK | 73 | 90 | 49 | 18 | Bank |
| 18 | BAY EQUITY LLC | 73 | 46 | 65 | 18 | Independent Mortgage Company |
| 19 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 14 | Bank |
| 20 | GROUP MORTGAGE, LLC | 71 | 21 | 67 | 150 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 124 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 121 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 92 | Independent Mortgage Company |
| 24 | THE LOAN STORE, INC. | 71 | 39 | 71 | 71 | Independent Mortgage Company |
| 25 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 65 | Independent Mortgage Company |
| 26 | V.I.P. MORTGAGE, INC. | 70 | 29 | 82 | 16 | Independent Mortgage Company |
| 27 | FirstBank | 69 | 56 | 48 | 75 | Bank |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 26 | Independent Mortgage Company |
| 29 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 33 | Independent Mortgage Company |
| 30 | Bank of Colorado | 66 | 24 | 52 | 112 | Bank |
| 31 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 51 | Independent Mortgage Company |
| 32 | LOWER, LLC | 66 | 33 | 66 | 34 | Independent Mortgage Company |
| 33 | KIND LENDING, LLC | 66 | 31 | 66 | 28 | Independent Mortgage Company |
| 34 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 28 | Independent Mortgage Company |
| 35 | Gateway First Bank | 66 | 27 | 75 | 27 | Bank |
| 36 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 25 | Independent Mortgage Company |
| 37 | NMSI, INC. | 66 | 35 | 93 | 22 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 20 | Independent Mortgage Company |
| 39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 17 | Independent Mortgage Company |
| 40 | Bell Bank | 66 | 36 | 80 | 16 | Bank |
| 41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 13 | Independent Mortgage Company |
| 42 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 13 | Independent Mortgage Company |
| 43 | NOVA FINANCIAL & INVESTMENT CORPORATION | 66 | 38 | 74 | 11 | Independent Mortgage Company |
| 44 | CANVAS CREDIT UNION | 64 | 48 | 53 | 45 | Credit Union |
| 45 | FREEDOM MORTGAGE CORPORATION | 64 | 41 | 47 | 39 | Independent Mortgage Company |
| 46 | RESICENTRAL, LLC | 64 | 55 | 44 | 21 | Independent Mortgage Company |
| 47 | ALLIED MORTGAGE GROUP, INC. | 64 | 43 | 49 | 19 | Independent Mortgage Company |
| 48 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | 64 | 59 | 52 | 18 | Credit Union |
| 49 | INSPIRE HOME LOANS INC. | 63 | 40 | 61 | 25 | Independent Mortgage Company |
| 50 | KEYSTONE FUNDING, INC. | 63 | 38 | 79 | 14 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.