Safe Rate Rankings

Best Conventional Mortgage Lenders in Colorado

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 Lenders295

Total Loans82,332

Median Rate Spread0.21%

Colorado Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Colorado, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Colorado, 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 #1 in Colorado, 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: Rocket Mortgage (#4) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Colorado

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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	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$2,893Fees	0.036%Above	12,892
2	ENT Credit Union Credit UnionDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,678Fees	0.206%Below	1,664
3	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$635Fees	0.038%Below	832
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,725Fees	0.126%Above	5,153
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,142Fees	0.594%Below	557
6	ELEVATIONS Credit UnionDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,018Fees	0.167%Above	1,642
7	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,512Fees	0.129%Above	501
8	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,182Fees	0.055%Above	1,207
9	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,257Fees	0.114%Below	463
10	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,199Fees	0.159%Below	370
11	First Western Trust Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,616Fees	0.076%Above	599
12	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Strong	$246Fees	0.469%Below	227
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,830Fees	0.003%Above	1,535
14	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,497Fees	0.323%Above	2,693
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,829Fees	0.395%Above	1,986
16	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,141Fees	0.280%Above	1,214
17	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,190Fees	0.107%Above	554
18	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,615Fees	0.070%Above	1,267
19	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,189Fees	0.128%Above	972
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,535Fees	0.391%Above	841
21	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,870Fees	0.370%Above	593
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,368Fees	0.003%Above	470
23	MEGASTAR FINANCIAL CORP. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$6,201Credit	0.287%Above	408
24	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Strong	$444Fees	0.294%Below	207
25	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,050Fees	0.143%Above	844
26	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,914Fees	0.400%Above	1,933
27	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,375Fees	0.221%Above	609
28	BOKF, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,081Fees	0.251%Above	514
29	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,535Fees	0.238%Above	446
30	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,886Fees	0.348%Above	413
31	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Exceptional	Strong	$1,483Fees	0.150%Above	202
32	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,890Fees	0.215%Above	1,121
33	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$1,288Fees	0.033%Above	389
34	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,066Fees	0.112%Above	317
35	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Strong	$1,649Fees	0.087%Above	290
36	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Strong	Sound	Strong	$1,785Fees	0.146%Below	240
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,990Fees	0.133%Below	810
38	Northpointe Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$3,812Fees	0.124%Above	272
39	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,992Fees	0.150%Above	252
40	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,631Fees	0.107%Above	626
41	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,998Fees	0.085%Above	416
42	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,880Fees	0.202%Above	344
43	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,749Fees	0.113%Above	263
44	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,830Fees	0.422%Above	1,035
45	FirstBank BankDirect	Strong	Sound	Strong	Sound	Exceptional	$1,171Fees	0.294%Below	881
46	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,825Fees	0.204%Above	742
47	BMO Bank National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$1,394Fees	0.080%Above	286
48	JET HOMELOANS, LP Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,390Fees	0.261%Below	235
49	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,077Fees	0.172%Above	223
50	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Strong	Strong	$821Fees	0.086%Below	357

❓ Frequently Asked Questions

How are mortgage lenders ranked in Colorado?+

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), 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?+

Based on 2024 HMDA data, 295 lenders originated a combined 82,332 loans in Colorado. 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?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Colorado is 0.21%. 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'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.