Safe Rate Rankings

Best Conventional Mortgage Lenders in Colorado Springs

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders117

Total Loans11,446

Median Rate Spread0.07%

Colorado Springs Market Insights

Ent Credit Union is Safe Rate's top-ranked Conventional lender in Colorado Springs, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Colorado Springs, Navy Federal Credit Union and Provident Funding Associates LP scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Colorado Springs, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Colorado Springs: Rocket Mortgage (#4) and Ent Credit Union (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Colorado Springs

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ENT Credit Union Credit UnionDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,819Fees	0.231%Below	928
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$2,981Fees	0.215%Below	2,239
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,062Fees	0.626%Below	171
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,247Fees	0.066%Above	686
5	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,106Fees	0.041%Below	125
6	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,025Fees	0.002%Below	66
7	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,011Fees	0.111%Above	75
8	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,188Fees	0.014%Below	264
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,710Fees	0.084%Above	94
10	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$2,189Fees	0.102%Below	50
11	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,698Fees	0.217%Below	302
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,654Fees	0.032%Above	167
13	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,173Fees	0.073%Above	302
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,392Fees	0.305%Above	243
15	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,921Fees	0.068%Above	132
16	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,545Fees	0.232%Above	152
17	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,012Fees	0.288%Above	104
18	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$943Fees	0.587%Below	33
19	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,303Fees	0.127%Above	111
20	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,921Fees	0.250%Below	99
21	PRIORITY HOME MORTGAGE, L.P. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$1,611Fees	1.075%Below	52
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,339Fees	0.044%Above	48
23	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,133Fees	0.045%Above	254
24	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,463Fees	0.370%Below	191
25	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,484Fees	0.337%Above	164
26	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,004Fees	0.148%Above	97
27	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,095Fees	0.139%Above	173
28	NBH Bank BankDirect	Strong	Sound	Strong	Sound	Strong	$2,280Fees	0.083%Above	164
29	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,371Fees	0.063%Above	135
30	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,522Fees	0.107%Below	75
31	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,123Fees	0.266%Above	37
32	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,212Fees	0.109%Above	36
33	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,769Fees	0.132%Above	35
34	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,176Fees	0.098%Above	60
35	Northpointe Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$3,289Fees	0.155%Above	41
36	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,018Fees	0.094%Below	36
37	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,830Fees	0.109%Above	31
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,703Fees	0.243%Above	129
39	INTERCAP LENDING INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,059Fees	0.374%Above	36
40	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	Strong	$2,648Fees	0.274%Below	249
41	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,175Fees	0.036%Above	399
42	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$3,923Fees	0.543%Above	71
43	CORNERSTONE CAPITAL BANK, SSB BankDirect	Sound	Mediocre	Exceptional	Strong	Sound	$6,495Fees	0.045%Above	50
44	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,282Fees	0.198%Above	35
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,641Fees	0.194%Above	28
46	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,672Fees	0.026%Above	83
47	HUNT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$3,249Fees	0.305%Below	65
48	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$1,535Credit	0.635%Above	41
49	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$5,659Fees	0.360%Above	39
50	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$2,233Fees	0.319%Below	35

❓ Frequently Asked Questions

How are mortgage lenders ranked in Colorado Springs, CO?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Colorado Springs, CO), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Colorado Springs, CO?+

Based on 2024 HMDA data, 117 lenders originated a combined 11,446 loans in Colorado Springs, CO. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Colorado Springs, CO?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Colorado Springs, CO is 0.07%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Colorado Springs, CO's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.