Today we’ll take a look at the top mortgage lenders in Colorado.
Interestingly, the top lender in the state isn’t a direct lender or a depository bank.
In fact, aspiring home buyers and existing homeowners can’t even work with this company directly.
Instead, they’ll need to work with an intermediary to access the loan programs offered by this behemoth of a mortgage company.
This company was also the top mortgage lender in the state of Arizona, giving them a strong foothold in the Mountain West region of the United States.
Top Mortgage Lenders in Colorado (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $7.2 billion |
| 2. | Rocket Mortgage | $2.4 billion |
| 3. | Guild Mortgage | $1.4 billion |
| 4. | Chase | $1.2 billion |
| 5. | CrossCountry | $1.1 billion |
| 6. | Fairway | $1.0 billion |
| 7. | Ent CU | $966 million |
| 8. | Elevations CU | $946 million |
| 9. | FirstBank | $879 million |
| 10. | Lennar Mortgage | $797 million |
As alluded to, the top Colorado mortgage lender last year was actually a wholesale lender that works with mortgage brokers.
This runs counter to the more traditional retail lending channel offered by big banks and household lenders like Rocket Mortgage.
Yet somehow United Wholesale Mortgage (UWM) managed to beat the competition quite easily with $7.2 billion in loan origination volume, per HMDA data from Richey May for 2024 (latest complete year).
That was more than enough to take out former national #1 overall Rocket Mortgage’s $2.4 billion, and Guild’s $1.4 billion.
In order to work with UWM, you’d need to enlist a mortgage broker that is approved to do business with UWM.
Seeing that UWM is the largest wholesale mortgage lender in the nation, most mortgage brokers are.
Another advantage to using a mortgage broker is that they will likely be approved with several companies, so it may turn out that they have a better option beyond UWM.
For the record, Rocket Mortgage also operates a wholesale unit so a broker could be working with both simultaneously and send your loan to the one offering the best price.
Moving on, Chase and CrossCountry Mortgage took fourth and fifth with about $1 billion each.
The rest of the top 10 featured a pair of credit unions, a nonbank, a bank, and a homebuilder’s lender, Lennar Mortgage.
Ent Credit Union and Elevations Credit Union are the only Colorado-native companies on the list.
In the past, American Financing Corp. was the only Colorado-based mortgage lender on the list, headquartered in Aurora, just east of Denver. But as refinance specialists they’ve fallen off quite a bit.
Top Mortgage Lenders in Colorado (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $5.2 billion |
| 2. | Rocket Mortgage | $1.4 billion |
| 3. | Guild Mortgage | $1.2 billion |
| 4. | CrossCountry | $937 million |
| 5. | Fairway | $901 million |
| 6. | Elevations CU | $818 million |
| 7. | Chase | $800 million |
| 8. | Lennar Mortgage | $797 million |
| 9. | Ent CU | $738 million |
| 10. | FirstBank | $684 million |
If you’re thinking about buying a home, you might be curious who the top lenders are for home purchase loans.
Some mortgage lenders specialize in both purchase loans and refinances, while others focus on just one.
When we narrow it down to just purchase transactions, UWM still retained the lead with a whopping $5.2 billion funded.
That was more than enough to keep Rocket’s $1.4 billion at bay, and plenty to stave off Guild’s $1.2 billion.
Coming in fourth was Ohio-based CrossCountry Mortgage, followed by Wisconsin-based Fairway.
Then we had Elevations CU, Chase, Lennar Mortgage, and Ent CU.
Colorado’s own FirstBank (Real Genius Mortgage) rounded out the list with $684 million, which has over 100 locations in The Centennial State.
Always good to see some local names on these lists – and it makes more sense to be in this category as home buyers tend to gravitate to more native companies for big life decisions.
Top Refinance Lenders in Colorado (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $2.0 billion |
| 2. | Rocket Mortgage | $939 million |
| 3. | Freedom Mortgage | $316 million |
| 4. | Chase | $315 million |
| 5. | American Financing | $282 million |
| 6. | Pennymac | $221 million |
| 7. | Ent CU | $201 million |
| 8. | Guild Mortgage | $180 million |
| 9. | FirstBank | $179 million |
| 10. | Newrez | $162 million |
When it came to mortgage refinancing, UWM (from Michigan) was once again cream of the crop with $2.0 billion funded.
Their crosstown rival Detroit-based Rocket Mortgage could only manage second with $939 million funded last year in the state.
Coming in third was Freedom Mortgage, followed by Chase and then local mortgage banker American Financing Corp. They tend to excel when it comes to refinance loans.
Others in the top 10 refinance list included Pennymac, Ent CU, Guild, FirstBank, and Newrez.
Top Mortgage Lenders in Denver
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $3.8 billion |
| 2. | Rocket Mortgage | $1.3 billion |
| 3. | Guild | $688 million |
| 4. | Lennar Mortgage | $586 million |
| 5. | Fairway | $579 million |
| 6. | CrossCountry | $576 million |
| 7. | Chase | $533 million |
| 8. | VIP Mortgage | $432 million |
| 9. | FirstBank | $431 million |
| 10. | HomeAmerican | $427 million |
Top Mortgage Lenders in Colorado Springs
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.3 billion |
| 2. | Ent CU | $543 million |
| 3. | Rocket Mortgage | $323 million |
| 4. | Veterans United | $204 million |
| 5. | Freedom Mortgage | $178 million |
| 6. | Rate | $156 million |
| 7. | Pennymac | $144 million |
| 8. | Guild | $141 million |
| 9. | The Central Bank | $131 million |
| 10. | Mtg Solutions of CO | $123 million |
Top Mortgage Lenders in Boulder
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Elevations CU | $329 million |
| 2. | UWM | $322 million |
| 3. | Rocket Mortgage | $102 million |
| 4. | CMG Mortgage | $89 million |
| 5. | Chase | $85 million |
| 6. | Lennar Mortgage | $80 million |
| 7. | CrossCountry | $75 million |
| 8. | Guild | $73 million |
| 9. | FirstBank | $61 million |
| 10. | Morgan Stanley | $53 million |
Are Colorado’s Top Mortgage Lenders Also the Best Choice for Homeowners?
While size can matter when it comes to choosing a mortgage lender, it isn’t always a major consideration.
As noted, the top mortgage lender in Colorado isn’t even a retail company. They operate solely via the business-to-business, wholesale lending channel.
This means working with a smaller mortgage brokerage if you get a loan from UWM, which could be a single individual running their own shop.
Additionally, only one Colorado-based mortgage lender made the top-10 list, American Financing Corp. A couple CO-based credit unions did too…
So if you want a local lender, they might not even feature in these lists. And that’s totally fine, as long as they’re financially sound and above board.
Sure, you might find that the largest lender is also the one you like best, but they don’t necessarily need to be big to get the job done.
As always, take your time, do your research, obtain multiple quotes, and ask lots of questions before you proceed.
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