Safe Rate Rankings

Best Jumbo 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

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Colorado, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Colorado, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 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 (#8) and United Wholesale Mortgage (#4).

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	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$635Fees	0.038%Below	832
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,199Fees	0.159%Below	370
3	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$246Fees	0.469%Below	227
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,893Fees	0.036%Above	12,892
5	ENT Credit Union Credit UnionDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,678Fees	0.206%Below	1,664
6	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,368Fees	0.003%Above	470
7	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,394Fees	0.080%Above	286
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,725Fees	0.126%Above	5,153
9	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,615Fees	0.070%Above	1,267
10	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,142Fees	0.594%Below	557
11	Charles Schwab Bank, SSB BankWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$836Fees	0.240%Below	173
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,182Fees	0.055%Above	1,207
13	FirstBank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,171Fees	0.294%Below	881
14	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,914Fees	0.400%Above	1,933
15	ELEVATIONS Credit UnionDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,018Fees	0.167%Above	1,642
16	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,990Fees	0.133%Below	810
17	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,785Fees	0.146%Below	240
18	First Western Trust Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,616Fees	0.076%Above	599
19	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,830Fees	0.003%Above	1,535
20	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,190Fees	0.107%Above	554
21	MEGASTAR FINANCIAL CORP. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$6,201Credit	0.287%Above	408
22	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,497Fees	0.323%Above	2,693
23	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,189Fees	0.128%Above	972
24	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,535Fees	0.391%Above	841
25	The Huntington National Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,512Fees	0.129%Above	501
26	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,535Fees	0.238%Above	446
27	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$1,483Fees	0.150%Above	202
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,829Fees	0.395%Above	1,986
29	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Exceptional	$4,141Fees	0.280%Above	1,214
30	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,886Fees	0.348%Above	413
31	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$2,650Fees	0.246%Above	367
32	BOKF, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,081Fees	0.251%Above	514
33	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,749Fees	0.113%Above	263
34	OriginPoint, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$3,285Fees	0.338%Above	168
35	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,422Fees	0.407%Above	394
36	CANVAS CREDIT UNION Credit UnionDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,346Fees	0.206%Above	529
37	NBH Bank BankDirect	Strong	Sound	Strong	Sound	Strong	$2,214Fees	0.237%Above	345
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,830Fees	0.422%Above	1,035
39	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,050Fees	0.143%Above	844
40	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,631Fees	0.107%Above	626
41	Synergy One Lending, Inc. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,648Fees	0.238%Above	552
42	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Sound	—	Strong	Strong	$1,273Fees	0.470%Above	590
43	Bank of Colorado BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,367Fees	0.199%Above	518
44	Alpine Bank BankDirect	Strong	Strong	Sound	Sound	Strong	$1,466Fees	0.135%Above	224
45	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,648Fees	0.323%Above	171
46	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,825Fees	0.204%Above	742
47	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Sound	Strong	$821Fees	0.086%Below	357
48	NBKC BANK BankDirect	Strong	Sound	Strong	Sound	Strong	$444Fees	0.294%Below	207
49	WESTERRA CREDIT UNION Credit UnionDirect	Strong	Acceptable	Strong	Sound	Strong	$1,963Fees	0.150%Above	206
50	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	Strong	$2,870Fees	0.370%Above	593

❓ 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.