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Best Denver Mortgage Lenders of 2019

Jan. 29, 2019
Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Buying a house in Denver raises some “Mile High” questions. Should you live in Jefferson Park so Broncos games are just a hop, skip and a jump away, or Stapleton so getting to Denver International Airport is a breeze? Should you buy new construction or an existing house? And most importantly, which Denver mortgage lender should you choose?

While you’re contemplating the best neighborhood or type of house, NerdWallet compared Denver’s leading mortgage lenders — big national brands along with smaller hometown options — to identify the best ones for a variety of borrower preferences.

» MORE: Five tips for finding the right mortgage lender

NerdWallet’s best Denver mortgage lenders

These Denver mortgage lenders have been reviewed by NerdWallet and are among the city’s highest-volume mortgage companies, according to the latest available data.

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at Guild Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers with a relatively high credit score who may need down payment assistance or help from a state housing agency.

 

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at Flagstar

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for those who appreciate the full-service experience of a leading regional bank. Flagstar offers a full menu of fixed and adjustable home loans and mortgage refinancing, as well as jumbo loans and home equity financing.

 

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at loanDepot

Min. credit score

620

Min. down payment

3.5%

Why we like it

Ideal for borrowers looking to get a mortgage with help from a loan officer. Digital back-office operations are said to add efficiency to the loan process.

 

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at NerdWallet

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who are well-qualified.

 

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at Caliber Home

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers, veterans and those who may have credit challenges to overcome.

 

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at USAA

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for military members and their relatives who are interested in a VA loan.

 

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at Quicken Loans

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience.

 

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at Fairway

National / regional

National

Min. down payment

3%

Why we like it

Ideal for borrowers who want lots of options and a quick turn time. Fairway Independent Mortgage offers a full selection of home loans along with a comprehensive mobile app for a fast and easy application process.

 

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at Bank of America

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

 

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at Chase

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers who want to talk to a loan officer in person or on the phone, and for homeowners who want to refinance their mortgages in 60 days or less. Chase offers a full line of mortgage products and account management tools.

 

» MORE: See more Colorado mortgage lenders

Local mortgage lenders in Denver

The following lenders have not been reviewed by NerdWallet. However, these companies originated a significant number of mortgages in Denver and are popular among the city’s home loan shoppers.

Check them out if you want to include some local options in your search for a mortgage lender.

American Financing

  • Employs salary-based mortgage consultants.
  • Offers Colorado first-time home buyer (CHFA) loans and down payment assistance.
  • Has a bank statement loan program for self-employed borrowers.
  • Has only one branch located in Aurora, Colorado.

Cherry Creek Mortgage

  • In business since 1986.
  • Offers specialty loans for first-time home buyers, Native Americans and union members.
  • Finances new construction and renovations.
  • Has more than 20 branch locations in Colorado.

FirstBank

  • Does not require personal information for customized rate quotes online.
  • Offers first-time home buyer loans with low closing costs and down payment assistance.
  • Offers construction and lot loans.
  • Has many branch locations throughout Colorado.

Elevations Credit Union

  • Offers a wide variety of loans, including FHA, VA, USDA and jumbo.
  • Has a no-closing-cost option for conforming loans.
  • Displays interest rates online for all its mortgage products, but they’re not customized.
  • Has more than a dozen branch locations in Colorado.

Best Denver Mortgage Lenders: Summary

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