Safe Rate Rankings

Best Jumbo 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,406Fees	0.090%Above	793
2	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$1,388Fees	0.204%Below	65
3	ELEVATIONSCredit Union	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,649Fees	0.172%Above	112
4	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	—	Strong	Strong	$970Fees	0.003%Below	92
5	Bank of ColoradoBank	Strong	Acceptable	Strong	Strong	Strong	$3,793Fees	0.165%Above	75
6	The Huntington National BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,536Fees	0.338%Above	19

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.