# Best VA Mortgage Lenders in Fort Collins

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 693 | Independent Mortgage Company |
| 2 | JET HOMELOANS, LP | 95 | 82 | 87 | 60 | Independent Mortgage Company |
| 3 | CORNERSTONE CAPITAL BANK, SSB | 89 | 61 | 85 | 62 | Bank |
| 4 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 124 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 170 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 258 | Independent Mortgage Company |
| 7 | First Western Trust Bank | 79 | 54 | 67 | 244 | Bank |
| 8 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 39 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 33 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 25 | Credit Union |
| 11 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 195 | Independent Mortgage Company |
| 12 | ELEVATIONS | 73 | 55 | 59 | 182 | Credit Union |
| 13 | GROUP MORTGAGE, LLC | 71 | 21 | 74 | 150 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 92 | Independent Mortgage Company |
| 15 | Mortgage Research Center, LLC | 66 | 34 | 61 | 36 | 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.