Safe Rate Rankings

Best Conventional 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	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	ENT Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Strong	$1,471Fees	0.212%Below	47
3	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,897Fees	0.241%Above	37
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,106Fees	0.631%Below	37
5	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Strong	$6,633Credit	0.515%Above	31
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,181Fees	0.166%Below	20
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,927Fees	0.056%Below	278
8	ELEVATIONSCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,649Fees	0.172%Above	112
9	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,774Fees	0.199%Above	82
10	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,536Fees	0.338%Above	19
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,406Fees	0.090%Above	793
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,461Fees	0.145%Above	294
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,106Fees	0.005%Above	73
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,062Fees	0.268%Below	18
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,953Fees	0.423%Above	235
16	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,319Fees	0.367%Above	167
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,746Fees	0.063%Below	49
18	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,852Fees	0.119%Above	45
19	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,484Fees	0.380%Above	18
20	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,575Fees	0.002%Above	18
21	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,565Fees	0.353%Above	14
22	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,342Fees	0.194%Above	13
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,037Fees	0.525%Above	186
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,064Fees	0.509%Above	128
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,808Fees	0.320%Above	120
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,611Fees	0.079%Above	100
27	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,485Fees	0.263%Above	88
28	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$5,910Fees	0.430%Above	77
29	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,986Fees	0.192%Above	68
30	FirstBankBank	Strong	Sound	Strong	Sound	Strong	$1,388Fees	0.204%Below	65
31	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,998Fees	0.153%Below	62
32	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,545Fees	0.431%Above	118
33	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$970Fees	0.003%Below	92
34	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,784Fees	0.251%Above	60
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,114Fees	0.249%Above	57
36	NEST HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Strong	$4,927Fees	0.492%Below	43
37	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,470Fees	0.644%Above	37
38	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,807Fees	0.068%Above	29
39	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,978Fees	0.494%Above	28
40	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,471Fees	0.294%Above	27
41	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,314Fees	0.368%Above	24
42	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,181Fees	0.326%Above	24
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,888Fees	0.226%Above	22
44	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,814Fees	0.506%Above	16
45	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,352Fees	0.290%Below	15
46	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,932Fees	0.282%Above	13
47	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,165Fees	0.693%Above	103
48	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Strong	$3,793Fees	0.165%Above	75
49	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,677Fees	0.295%Above	21
50	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$676Fees	0.224%Above	18

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.