Safe Rate Rankings

Best Mortgage Lenders in Greeley

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders85

Total Loans5,534

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$6,633Credit	0.515%Above	31
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,406Fees	0.090%Above	793
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,304Fees	0.035%Above	55
4	ENT Credit UnionCredit Union	Strong	Strong	Strong	Strong	$1,471Fees	0.212%Below	47
5	First National Bank of OmahaBank	Strong	Strong	Strong	Strong	$1,897Fees	0.241%Above	37
6	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,106Fees	0.631%Below	37
7	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$2,181Fees	0.166%Below	20
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,927Fees	0.056%Below	278
9	ELEVATIONSCredit Union	Strong	Sound	Strong	Exceptional	$1,649Fees	0.172%Above	112
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,461Fees	0.145%Above	294
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,953Fees	0.423%Above	235
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,808Fees	0.320%Above	120
13	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$970Fees	0.003%Below	92
14	First Western Trust BankBank	Strong	Sound	Strong	Strong	$1,774Fees	0.199%Above	82
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,106Fees	0.005%Above	73
16	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,998Fees	0.153%Below	62
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,746Fees	0.063%Below	49
18	NEST HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,927Fees	0.492%Below	43
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,064Fees	0.509%Above	128
20	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,611Fees	0.079%Above	100
21	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,250Fees	0.357%Below	78
22	FirstBankBank	Strong	Sound	Sound	Strong	$1,388Fees	0.204%Below	65
23	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,852Fees	0.119%Above	45
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,037Fees	0.525%Above	186
25	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,165Fees	0.693%Above	103
26	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,485Fees	0.263%Above	88
27	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$5,910Fees	0.430%Above	77
28	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$4,443Fees	0.460%Above	71
29	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,986Fees	0.192%Above	68
30	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,784Fees	0.251%Above	60
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,470Fees	0.644%Above	37
32	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,314Fees	0.368%Above	24
33	American Liberty Mortgage, IncorporatedIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,834Fees	0.336%Above	20
34	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,319Fees	0.367%Above	167
35	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$6,009Fees	0.074%Above	125
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,545Fees	0.431%Above	118
37	Bank of ColoradoBank	Sound	Acceptable	Sound	Strong	$3,793Fees	0.165%Above	75
38	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,114Fees	0.249%Above	57
39	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,807Fees	0.068%Above	29
40	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,978Fees	0.494%Above	28
41	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,471Fees	0.294%Above	27
42	BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,314Fees	0.100%Below	26
43	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$3,181Fees	0.326%Above	24
44	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,888Fees	0.226%Above	22
45	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,677Fees	0.295%Above	21
46	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,887Fees	0.204%Above	21
47	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,347Fees	0.529%Above	50
48	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,633Fees	0.460%Above	20
49	Loan Simple, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	$3,421Fees	0.786%Above	55

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.