Refinancing lenders in Jefferson County
2,861 refinancing mortgages were made in Jefferson County, Colorado, in 2025, by 316 lenders. The median rate their borrowers got was 6.125% on a median loan of $465,000. Of 3,576 decisions, 565 were denials — 15.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 606 | 5.999% | $525,000 | 7.1% |
| Rocket Mortgage, LLC | 151 | 5.990% | $495,000 | 18.5% |
| FirstBank | 112 | 7.500% | $160,000 | 21.5% |
| WESTERRA CREDIT UNION | 87 | 7.990% | $155,000 | 10.6% |
| CREDIT UNION OF DENVER | 86 | 7.000% | $105,000 | 16.5% |
| ENT Credit Union | 75 | 7.500% | $185,000 | 20.2% |
| CMG MORTGAGE, INC. | 72 | 6.375% | $475,000 | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | 59 | 5.990% | $575,000 | 6.1% |
| GUILD MORTGAGE COMPANY | 53 | 6.375% | $485,000 | 1.8% |
| FREEDOM MORTGAGE CORPORATION | 51 | 5.750% | $515,000 | 5.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.183% | $505,000 | 3.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 39 | 6.125% | $525,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 36 | 5.990% | $545,000 | 51.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 36 | 6.125% | $350,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 33 | 6.125% | $555,000 | 2.9% |
| U.S. Bank National Association | 32 | 6.620% | $310,000 | 23.8% |
| NEWREZ LLC | 30 | 6.058% | $535,000 | 14.3% |
| GUARANTEED RATE, INC. | 29 | 6.125% | $535,000 | 0.0% |
| CANVAS CREDIT UNION | 29 | 6.375% | $425,000 | 8.8% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 29 | 6.125% | $535,000 | 3.3% |
| ELEVATIONS | 28 | 5.933% | $595,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 28 | 6.125% | $495,000 | 6.5% |
| Third Federal Savings and Loan Association of Cleveland | 27 | 6.990% | $215,000 | 41.3% |
| Zions Bancorporation, N.A. | 27 | 7.850% | $305,000 | 39.2% |
| NATIONSTAR MORTGAGE LLC | 25 | 5.990% | $505,000 | 10.7% |
| FINANCE OF AMERICA REVERSE LLC | 25 | 6.375% | $255,000 | 3.9% |
| PHH Mortgage Corporation | 22 | 5.933% | $475,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 22 | 6.058% | $510,000 | 11.5% |
| Broker Solutions, Inc. | 21 | 6.125% | $495,000 | 12.5% |
| Fairway Independent Mortgage Corporation | 21 | 6.375% | $595,000 | 12.5% |
| Climb Credit Union | 21 | 7.700% | $125,000 | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 20 | 6.250% | $285,000 | 8.3% |
| The Huntington National Bank | 19 | 6.000% | $655,000 | 26.9% |
| V.I.P. MORTGAGE, INC. | 19 | 5.990% | $475,000 | 0.0% |
| PNC Bank, National Association | 18 | 7.565% | $125,000 | 28.0% |
| Synergy One Lending, Inc. | 17 | 6.125% | $505,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 17 | 6.125% | $645,000 | 0.0% |
| Luminate Bank | 16 | 6.490% | $635,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.000% | $605,000 | 0.0% |
| UMB Bank, National Association | 15 | 5.990% | $205,000 | 40.7% |
| RESICENTRAL, LLC | 15 | 5.990% | $495,000 | 0.0% |
| COLORADO CREDIT UNION | 15 | 7.000% | $245,000 | 21.1% |
| SWBC MORTGAGE CORPORATION | 15 | 6.500% | $535,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 14 | 6.183% | $155,000 | 80.0% |
| BETTER MORTGAGE CORPORATION | 14 | 5.995% | $475,000 | 22.2% |
| Bank of America, National Association | 13 | 5.490% | $495,000 | 48.0% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.125% | $565,000 | 0.0% |
| Sunflower Bank, National Association | 12 | 6.125% | $470,000 | 0.0% |
| BOKF, National Association | 12 | 5.500% | $405,000 | 29.4% |
| KeyBank National Association | 12 | 6.533% | $265,000 | 36.8% |
| ALLIANT CREDIT UNION | 11 | 7.750% | $135,000 | 31.3% |
| THE LOAN STORE, INC. | 11 | 6.375% | $445,000 | 7.7% |
| NMSI, INC. | 11 | 6.000% | $535,000 | 0.0% |
| 254900RNV63A0TIZNK90 | 10 | 6.433% | $515,000 | 13.3% |
| PARTNER COLORADO | 10 | 5.990% | $70,000 | 16.7% |
| American Liberty Mortgage, Incorporated | 10 | 6.063% | $500,000 | 0.0% |
| KIND LENDING, LLC | 10 | 6.563% | $515,000 | 8.3% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Colorado Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 60.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MORIA DEVELOPMENT, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ON TAP CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Blue Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Alpine Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Western Trust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELIS CATHOLIC FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 78.6% |
| BELLCO CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 70.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 11.1% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Orchard Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL HOME LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| M2 LENDING SOLUTIONS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTIER BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rocky Mountain Law Enforcement Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MEMBERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANB Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zing Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 116 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.