Safe Rate Rankings

Best Conventional Mortgage Lenders in Pueblo

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 Lenders42

Total Loans1,997

Median Rate Spread0.20%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ENT Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,779Fees	0.006%Below	164
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,884Fees	0.204%Above	24
3	SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$343Fees	0.143%Below	16
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,333Fees	0.071%Above	425
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,546Fees	0.286%Above	203
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,758Fees	0.149%Above	46
7	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,334Fees	0.127%Above	25
8	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$2,175Fees	0.037%Below	24
9	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,636Fees	0.006%Above	14
10	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,992Fees	0.383%Above	106
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,378Fees	0.609%Above	83
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,620Fees	0.421%Above	38
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,759Fees	0.536%Above	37
14	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Acceptable	$2,161Fees	0.299%Above	10
15	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$5,029Fees	0.162%Above	68
16	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,176Fees	0.782%Above	43
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,851Fees	0.235%Above	29
18	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,616Fees	0.101%Below	20
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,903Fees	0.555%Above	19
20	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,597Fees	0.044%Below	18
21	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$2,633Fees	0.383%Above	45
22	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Sound	Sound	$3,474Fees	0.333%Above	19
23	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,213Fees	0.042%Above	25
24	THE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Acceptable	Sound	Sound	$3,791Fees	0.254%Above	10
25	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Strong	$4,133Fees	0.399%Above	62

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.