Safe Rate Rankings

Best Jumbo Mortgage Lenders in Denver

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 Lenders230

Total Loans42,377

Median Rate Spread0.18%

Denver Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Denver, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Denver, 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 #3 in Denver, 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 Denver: Rocket Mortgage (#8) and United Wholesale Mortgage (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Denver

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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	$598Fees	0.060%Below	447
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,273Fees	0.153%Below	254
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,823Fees	0.085%Above	6,898
4	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$193Fees	0.478%Below	116
5	ENT Credit Union Credit UnionDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,475Fees	0.234%Below	366
6	Wells Fargo Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$2,240Fees	0.002%Below	242
7	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,524Fees	0.053%Above	203
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,433Fees	0.104%Above	2,715
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,228Fees	0.609%Below	231
10	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,092Fees	0.064%Above	547
11	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,086Fees	0.033%Above	751
12	FirstBank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,182Fees	0.307%Below	493
13	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,827Fees	0.402%Above	1,009
14	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,656Fees	0.086%Below	382
15	ELEVATIONS Credit UnionDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$943Fees	0.193%Above	702
16	MEGASTAR FINANCIAL CORP. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$6,153Credit	0.239%Above	264
17	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,274Fees	0.228%Below	108
18	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,531Fees	0.408%Above	546
19	First Western Trust Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$939Fees	0.009%Above	197
20	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,203Fees	0.315%Above	1,279
21	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,977Fees	0.133%Above	512
22	The Huntington National Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,351Fees	0.099%Above	322
23	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,573Fees	0.189%Above	312
24	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$1,457Fees	0.150%Above	143
25	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Exceptional	$4,283Fees	0.296%Above	837
26	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,749Fees	0.367%Above	316
27	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$2,661Fees	0.281%Above	229
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,844Fees	0.359%Above	1,086
29	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,511Fees	0.133%Above	193
30	OriginPoint, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$3,484Fees	0.299%Above	109
31	BOKF, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,294Fees	0.273%Above	230
32	Synergy One Lending, Inc. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,602Fees	0.238%Above	419
33	CANVAS CREDIT UNION Credit UnionDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,421Fees	0.186%Above	405
34	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$4,071Fees	0.419%Above	572
35	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,040Fees	0.135%Above	493
36	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Sound	Strong	$666Fees	0.093%Below	308
37	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,687Fees	0.319%Above	136
38	WESTERRA CREDIT UNION Credit UnionDirect	Strong	Acceptable	Strong	Sound	Strong	$1,803Fees	0.148%Above	164
39	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,328Fees	0.216%Above	334
40	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$4,100Fees	0.479%Above	357
41	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,788Fees	0.110%Above	264
42	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$3,127Fees	0.219%Above	158
43	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$3,117Fees	0.344%Above	235
44	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,324Fees	0.117%Above	185
45	Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$451Fees	0.418%Above	88
46	Ixonia Bank BankDirect	Sound	Mediocre	Strong	Sound	Strong	$3,421Fees	0.502%Above	330
47	SELECT LENDING SERVICES LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Acceptable	Strong	$2,052Fees	0.290%Above	89

❓ Frequently Asked Questions

How are mortgage lenders ranked in Denver?+

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 Denver), 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 Denver?+

Based on 2024 HMDA data, 230 lenders originated a combined 42,377 loans in Denver. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Denver?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Denver is 0.18%. 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 Denver'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.