Safe Rate Rankings

Best VA 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	Strong	Exceptional	Exceptional	Exceptional	$3,406Fees	0.090%Above	793
2	CORNERSTONE CAPITAL BANK, SSBBank	Exceptional	Strong	Exceptional	Exceptional	Strong	$4,443Fees	0.460%Above	71
3	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,808Fees	0.320%Above	120
4	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$970Fees	0.003%Below	92
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,998Fees	0.153%Below	62
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,746Fees	0.063%Below	49
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,106Fees	0.631%Below	37
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,927Fees	0.056%Below	278
9	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,611Fees	0.079%Above	100
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,461Fees	0.145%Above	294
11	Gateway First BankBank	Strong	Sound	Exceptional	Strong	Strong	$5,910Fees	0.430%Above	77
12	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,986Fees	0.192%Above	68
13	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,114Fees	0.249%Above	57
14	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,807Fees	0.068%Above	29
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,953Fees	0.423%Above	235
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,064Fees	0.509%Above	128
17	ELEVATIONSCredit Union	Strong	Sound	Strong	Sound	Exceptional	$1,649Fees	0.172%Above	112
18	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,250Fees	0.357%Below	78
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,037Fees	0.525%Above	186
20	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,319Fees	0.367%Above	167
21	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,784Fees	0.251%Above	60
22	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$6,009Fees	0.074%Above	125
23	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,545Fees	0.431%Above	118
24	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,347Fees	0.529%Above	50

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.