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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 FHA Mortgage Lenders in Greeley
Updated February 5, 2026
Market Overview
85
Total Lenders
5,534
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $1,471 | -0.212% | 47 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,633 | +0.515% | 31 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,406 | +0.090% | 793 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,998 | -0.153% | 62 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,927 | -0.056% | 278 | |
6 | ELEVATIONS | Exceptional | Strong | Sound | Strong | Exceptional | $1,649 | +0.172% | 112 | |
7 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Strong | $1,774 | +0.199% | 82 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,304 | +0.035% | 55 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,746 | -0.063% | 49 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,461 | +0.145% | 294 | |
11 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $970 | -0.003% | 92 | |
12 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,986 | +0.192% | 68 | |
13 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,927 | -0.492% | 43 | |
14 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,807 | +0.068% | 29 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $676 | +0.224% | 18 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,953 | +0.423% | 235 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,064 | +0.509% | 128 | |
18 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Strong | $6,009 | +0.074% | 125 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,250 | -0.357% | 78 | |
20 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,443 | +0.460% | 71 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,114 | +0.249% | 57 | |
22 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,852 | +0.119% | 45 | |
23 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,471 | +0.294% | 27 | |
24 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,932 | +0.282% | 13 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,808 | +0.320% | 120 | |
26 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.693% | 103 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,611 | +0.079% | 100 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,485 | +0.263% | 88 | |
29 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $5,910 | +0.430% | 77 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,319 | +0.367% | 167 | |
31 | Bank of Colorado | Strong | Acceptable | Strong | Strong | Strong | $3,793 | +0.165% | 75 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,470 | +0.644% | 37 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,978 | +0.494% | 28 | |
34 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,677 | +0.295% | 21 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,887 | +0.204% | 21 | |
36 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Sound | Sound | $2,834 | +0.336% | 20 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,342 | +0.194% | 13 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,690 | +1.243% | 13 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,037 | +0.525% | 186 | |
40 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,347 | +0.529% | 50 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,633 | +0.460% | 20 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,343 | +0.762% | 14 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,545 | +0.431% | 118 | |
44 | Loan Simple, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,421 | +0.786% | 55 | |
45 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $4,002 | +0.407% | 40 |
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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