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Safe Rate's TrueRank Guarantee
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 Mortgage Company Lenders in Fort Collins
Updated February 5, 2026
Market Overview
32
Total Lenders
3,270
Total Loans
0.12%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$5,945 | +0.260% | 50 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,801 | +0.051% | 693 | |
3 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,335 | -0.647% | 60 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,851 | -0.068% | 29 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,490 | +0.147% | 170 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,016 | +0.129% | 258 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,207 | +0.303% | 195 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,039 | +0.171% | 124 | |
9 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,055 | +0.151% | 150 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,446 | +0.474% | 121 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,193 | +0.225% | 65 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,547 | -0.207% | 39 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,019 | -0.072% | 33 | |
14 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | -$2,375 | +0.626% | 25 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,178 | +0.339% | 92 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,510 | +0.118% | 71 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,032 | -0.026% | 26 | |
18 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $2,438 | +0.166% | 22 | |
19 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,780 | -0.017% | 21 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,214 | +0.506% | 20 | |
21 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Sound | $3,659 | +0.395% | 20 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,172 | +0.268% | 51 | |
23 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Sound | Strong | $5,863 | +0.083% | 50 | |
24 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | -$440 | +0.479% | 36 | |
25 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,300 | +0.233% | 34 | |
26 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,923 | +0.336% | 28 | |
27 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,066 | +0.127% | 28 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,025 | -0.033% | 25 | |
29 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,404 | +0.434% | 23 | |
30 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $2,607 | +0.467% | 59 | |
31 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,070 | +0.191% | 26 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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