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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 Conventional Mortgage Company Lenders in Fort Collins
Updated February 5, 2026
Market Overview
41
Total Lenders
4,523
Total Loans
0.11%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$5,945 | +0.260% | 50 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,851 | -0.068% | 29 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,490 | +0.147% | 170 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,801 | +0.051% | 693 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,016 | +0.129% | 258 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,207 | +0.303% | 195 | |
7 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $1,335 | -0.647% | 60 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,032 | -0.026% | 26 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,110 | +0.127% | 18 | |
10 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,055 | +0.151% | 150 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,039 | +0.171% | 124 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,446 | +0.474% | 121 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,178 | +0.339% | 92 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,510 | +0.118% | 71 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,193 | +0.225% | 65 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,019 | -0.072% | 33 | |
17 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,933 | +0.187% | 16 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,172 | +0.268% | 51 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,547 | -0.207% | 39 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,300 | +0.233% | 34 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,923 | +0.336% | 28 | |
22 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,066 | +0.127% | 28 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,025 | -0.033% | 25 | |
24 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $2,438 | +0.166% | 22 | |
25 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,780 | -0.017% | 21 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,214 | +0.506% | 20 | |
27 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $2,726 | +0.191% | 19 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,727 | +0.113% | 17 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,451 | +0.443% | 13 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,464 | +0.659% | 13 | |
31 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,061 | +0.054% | 11 | |
32 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $2,607 | +0.467% | 59 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,070 | +0.191% | 26 | |
34 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | -$2,375 | +0.626% | 25 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,404 | +0.434% | 23 | |
36 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,029 | +0.153% | 14 | |
37 | NEST HOME LENDING, LLC | Strong | Sound | Sound | Sound | Sound | $8,396 | -0.592% | 12 | |
38 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Strong | Acceptable | Strong | $5,863 | +0.083% | 50 | |
39 | American Liberty Mortgage, Incorporated | Sound | Sound | Sound | Acceptable | Sound | $3,659 | +0.395% | 20 | |
40 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Sound | Mediocre | Sound | Sound | Sound | $4,358 | -0.592% | 13 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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