Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders18

Total Loans5,534

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,304Fees	0.035%Above	55
2	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,897Fees	0.241%Above	37
3	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,774Fees	0.199%Above	82
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,536Fees	0.338%Above	19
5	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,106Fees	0.005%Above	73
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,062Fees	0.268%Below	18
7	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,484Fees	0.380%Above	18
8	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$5,910Fees	0.430%Above	77
9	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,388Fees	0.204%Below	65
10	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,181Fees	0.326%Above	24
11	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,932Fees	0.282%Above	13
12	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Strong	$3,793Fees	0.165%Above	75
13	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$4,443Fees	0.460%Above	71
14	Adams Bank & TrustBank	Strong	Sound	Sound	Sound	Sound	$2,438Fees	0.319%Above	16
15	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,002Fees	0.407%Above	40
16	Independent BankBank	Sound	Acceptable	Sound	Sound	Sound	$4,026Fees	0.590%Above	16
17	First National Bank of AmericaBank	Sound	Mediocre	Strong	Sound	Sound	$4,590Fees	1.654%Above	15
18	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Sound	$3,250Fees	0.450%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.