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9 best mortgage lenders in Colorado

Looking to buy a home in Colorado? Here are the best mortgage lenders in the Centennial State.

From Greeley to Grand Junction and from Fort Collins to Colorado Springs, Colorado is brimming with alluring areas where you might want to live. If you’re thinking about setting down roots near Four Corners, in the Rocky Mountains or anywhere in between, the best mortgage lenders in Colorado can help you buy a home you’ll love.

What are the best mortgage lenders in Colorado?

How Finder picks mortgage lenders

These nine companies were selected based on several factors, including their fees, interest rates, loan amounts and eligibility requirements. We also account for customer reviews from sites such as Trustpilot, Wallethub and the Better Business Bureau (BBB), to name a few. Learn more about Finder’s rating methodology.

Best online experience


Many of the best Colorado mortgage lenders have full-featured websites that function well on laptops and smartphones, but few of them are as polished as Better's site. No matter what size screen you visit it on, you're bound to find Better's website incredibly easy to use.

And in addition to Better's web presence, this online-only lender also provides mortgages that don't require origination fees. Better also price-matches competitors in case you find a more attractive offer elsewhere.

Best marketplace


While the other names on this list are direct lenders, LendingTree is a mortgage marketplace that can instantly give you a bird's-eye view of numerous lenders in Colorado. By doing so, LendingTree makes it easy to quickly compare several mortgage rates, so you can see which lenders are likely to best match your needs. LendingTree can save you a ton of time when shopping for a mortgage, but prepare to receive a slew of unsolicited calls and emails from various lenders if you use this service.

Best for first-time homebuyers

Rocket Mortgage

Buying a home in Colorado — or anywhere else for that matter — can be incredibly stressful if you've never done it before. Fortunately, Rocket Mortgage by Quicken Loans simplifies the process by allowing you to get a conditional prequalification in as little as 10 minutes. This mortgage lender offers more options than many competing lenders, plus you won't be penalized if you pay off your loan early.

Best for veterans

Navy Federal Credit Union

Former members of the military deserve the best when buying a home in Colorado. And compared to other mortgage lenders in the state, Navy Federal is an ideal fit for vets.

The Department of Veterans Affairs backs mortgages obtained through this lender, and Navy Federal offers exclusive programs unavailable to civilians. However, Navy Federal only has three physical branches in Colorado, so depending on where in the state you're looking to live, it might not be convenient to meet a loan officer in person.

Best for customer service

Guaranteed Rate

Low rates and affordable fees are certainly nice features when getting a mortgage, but if the lender's customer service is a nightmare, little else may matter. And when it comes to treating customers right in Colorado, few lenders receive higher marks than Guaranteed Rate. In fact, based on nearly 11,000 reviews on Zillow, Guaranteed Rate has an outstanding score of 4.96 out of 5. And not only does this lender shine when it comes to customer service, but Guaranteed Rate also offers some of the lowest mortgage rates in the state.

Best for a wide range of credit scores

Fairway Independent

Founded in Madison, Wisconsin, in 1996, Fairway Independent Mortgage Corporation is a nationwide lender with dozens of locations across Colorado. Fairway Independent offers a wide range of mortgage options and some unique programs you won't find with other lenders, and you don't need to have a high credit score to get approved for a mortgage. In fact, Coloradans with credit scores as low as 580 can get approved for FHA and VA loans.

Cherry Creek Mortgage Co.

Since 1987, Cherry Creek Mortgage Co. has helped hopeful home buyers qualify for mortgages around the country — including in Colorado. And among the hundreds of mortgage lenders currently operating in the state, Cherry Creek is one of the most popular. Headquartered in Colorado's own Greenwood Village, this lender is an attractive option, even if it's not as well-known as some of the other nationwide lenders on this list.

Best rates

Primary Residential Mortgage, Inc.

Founded in 1998 and based in Salt Lake City, Utah, Primary Residential Mortgage, Incorporated (PRMI) has some of Colorado’s most attractive mortgage rates. This lender also offers more than 300 unique mortgage products, and it has loan officers in many of Colorado’s major metropolitan areas. If scoring the lowest rate on your mortgage is a priority for you, PRMI is certainly worth considering.

Best regional lender

Ent Credit Union

Founded in 1957 to serve the employees of Ent Air Force Base, Ent Credit Union exclusively operates in Colorado, though it no longer requires its members to be in the military. Ent Credit Union’s team is intimately familiar with the local market, and this lender has a few unique offerings you won’t find with other options on this list. If you’re looking to work with a company that knows the area, this Colorado Springs-based credit union is an excellent option.

How do I choose the best lender for me?

Among the hundreds of mortgage lenders in Colorado, choosing the right one can be tricky. When narrowing down your options, keep the following things in mind.
  • Customer reviews. Check popular review sites to see if previous borrowers have been pleased with their mortgage experience.
  • Shop around. Collecting preapprovals from several lenders will give you more leverage when it comes to saving money.
  • Prepare to bargain. Never accept an offer without first trying to negotiate better terms and a lower rate.
  • Always read the fine print. Before signing any agreements, carefully review all documents and ask questions for clarity.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

1 - 5 of 5
Name Product Loan products offered State availability Min. credit score
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #1429243)
Conventional, Jumbo
Not available in: AZ, HI, MA, MO, NV, UT
Preapproval in minutes and closing in as little as 3 weeks with no origination fees.
(NMLS #1136)
HELOC, Home Equity loans
Available in all states
Connect with vetted lenders quickly through this free online marketplace.
Veterans United
(NMLS #1907)
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
Veterans United stands out from other lenders for its focus on serving the military community.
Freedom Mortgage
(NMLS #2767)
Freedom Mortgage
Conventional, Jumbo, FHA, VA, USDA, Refinance
Available in all states
A lender that excels in FHA and VA loans, offering low down payment options to borrowers.

Compare up to 4 providers

Average rates and fees in Colorado

As of October 15, 2020, the average mortgage rate in the US is 2.81%, but it’s currently slightly higher in Colorado. According to the Consumer Financial Protection Bureau (CFPB), the mortgage rate on 30-year fixed-rate mortgages in Colorado averages 3.00%.

And while closing costs in the US typically range between 2% and 5%, closing costs in Colorado averaged only 0.86% of the sales price according to 2019 data from ClosingCorp. Want to learn more? Continue researching mortgage rates in Colorado or compare closing costs in Colorado for further details.

Should I use a broker?

With the exception of LendingTree, this list focuses on direct lenders in Colorado because only they can approve and finance mortgage loans. If you don’t have time to shop around for the best deal — or if you’d simply prefer to have someone take care of that for you — you may consider working with a mortgage broker.

Most mortgage brokers are trustworthy, but some may charge fees you could otherwise avoid. To find the best mortgage broker for your needs, start by comparing their rates and reading recent reviews.

Bottom line

The best mortgage lenders in Colorado each have a lot to offer, but none of them is likely to be ideal for every borrower. Depending on your unique needs, one of these options could be perfect for you. Carefully compare what each has to offer or continue exploring your options.

Home loans ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top home loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, product selection and borrower experience.

Read the full methodology of how we rate home loan providers.

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