# Best FHA Mortgage Lenders in Fort Collins

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

Compare the top FHA 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/fha-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 | JET HOMELOANS, LP | 89 | 88 | 84 | 60 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 693 | Independent Mortgage Company |
| 3 | First Western Trust Bank | 85 | 61 | 72 | 244 | Bank |
| 4 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 170 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 258 | Independent Mortgage Company |
| 6 | ELEVATIONS | 79 | 65 | 62 | 182 | Credit Union |
| 7 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 39 | Independent Mortgage Company |
| 8 | TOWNE MORTGAGE COMPANY | 77 | 46 | 82 | 28 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 195 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 121 | Independent Mortgage Company |
| 11 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 62 | Bank |
| 12 | AMERICAN FINANCING CORPORATION | 73 | 42 | 51 | 50 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 33 | Independent Mortgage Company |
| 14 | KIND LENDING, LLC | 73 | 55 | 71 | 28 | Independent Mortgage Company |
| 15 | INSPIRE HOME LOANS INC. | 73 | 53 | 75 | 25 | Independent Mortgage Company |
| 16 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 124 | Independent Mortgage Company |
| 17 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 65 | Independent Mortgage Company |
| 18 | LOWER, LLC | 66 | 29 | 66 | 34 | Independent Mortgage Company |
| 19 | Gateway First Bank | 66 | 35 | 77 | 27 | Bank |
| 20 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 13 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 92 | Independent Mortgage Company |
| 22 | Luminate Home Loans, Inc. | 60 | 11 | 63 | 59 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 51 | Independent Mortgage Company |
| 24 | Loan Simple, Inc. | 53 | 20 | 61 | 13 | 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.