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Mortgage Lenders and Brokers in Berthoud, Colorado

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Berthoud, Colorado mortgage lenders include Adams Bank & TrustAdams Bank & Trust1201 Lake Ave, Berthoud, CO 80513A5.0 ★Texas Ratio: 10.02%, BMO Harris Bank NABMO Harris Bank NA415 Mountain Ave, Berthoud, CO 80513A+5.0 ★Texas Ratio: 3.54%, Southstate Bank, National AssociationSouthstate Bank, National Association807 Mountain Ave, Berthoud, CO 80513A+5.0 ★Texas Ratio: 2.27%, Elevations Credit UnionElevations Credit Union2960 Diagonal Highway, Boulder, CO 80301 1412A+5.0 ★Texas Ratio: 3.03%, First Western Trust BankFirst Western Trust Bank201 N Mill St, Aspen, CO 81611A+5.0 ★Texas Ratio: 5.16%, FirstBankFirstBank1419 W Us Highway 50, Pueblo, CO 81008A+5.0 ★Texas Ratio: 0.00%, Bank of ColoradoBank of Colorado1335 Grand Market Ave, Berthoud, CO 80513A+5.0 ★Texas Ratio: 3.16%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9611 W 58th Ave, Arvada, CO 80002A+5.0 ★Texas Ratio: 3.68%, First National Bank of OmahaFirst National Bank of Omaha3033 Iris Ave, Boulder, CO 80301A+5.0 ★Texas Ratio: 4.82%, and US Bank, N.A.US Bank, N.A.9590 W 58th Ave, Arvada, CO 80002A+5.0 ★Texas Ratio: 2.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Berthoud, Colorado in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Berthoud are listed first, then lenders elsewhere in Colorado, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Berthoud, Colorado

Market share is the lender's share of all home loans closed in Berthoud, Colorado. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Adams Bank & Trust 1 office in Berthoud 1201 Lake Ave, Berthoud, CO 80513 A5.0 ★Texas Ratio: 10.02%	Conventional	2	0.3%	100%	$495,000	View
BMO Harris Bank NA 1 office in Berthoud 415 Mountain Ave, Berthoud, CO 80513 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +5 HELOCs	0.2%	50%	$255,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Berthoud 807 Mountain Ave, Berthoud, CO 80513 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +5 HELOCs	0%	0%		View
Elevations Credit Union 2960 Diagonal Highway, Boulder, CO 80301 1412 A+5.0 ★Texas Ratio: 3.03%	Conventional, Jumbo, HELOC	28 +14 HELOCs	4.9%	87.9%	$392,142	View
First Western Trust Bank 201 N Mill St, Aspen, CO 81611 A+5.0 ★Texas Ratio: 5.16%	Conventional, FHA, VA	7	1.2%	100%	$557,857	View
FirstBank 1419 W Us Highway 50, Pueblo, CO 81008 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo, HELOC	6 +6 HELOCs	1%	85.7%	$790,000	View
Bank of Colorado 1335 Grand Market Ave, Berthoud, CO 80513 A+5.0 ★Texas Ratio: 3.16%	Conventional, HELOC	5 +5 HELOCs	0.9%	100%	$357,000	View
JPMorgan Chase Bank, NA 9611 W 58th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.9%	85.7%	$603,000	View
First National Bank of Omaha 3033 Iris Ave, Boulder, CO 80301 A+5.0 ★Texas Ratio: 4.82%	Conventional, FHA, HELOC	5 +2 HELOCs	0.9%	71.4%	$317,000	View
US Bank, N.A. 9590 W 58th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.5%	100%	$548,333	View
Premier Members Credit Union 12379 W 64th Ave, Arvada, CO 80004	Conventional, HELOC	2 +14 HELOCs	0.3%	100%	$365,000
NBH Bank 2061 Main St, Alamosa, CO 81101 A+5.0 ★Texas Ratio: 2.90%	Conventional, FHA, HELOC	2 +1 HELOCs	0.3%	100%	$250,000	View
ANB Bank 325 E Main St, Aspen, CO 81611 A+5.0 ★Texas Ratio: 3.70%	Conventional	2	0.3%	66.7%	$40,000	View
Zions Bancorporation, N.A. 534 E Hyman Ave, Aspen, CO 81611 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +6 HELOCs	0.2%	100%	$405,000	View
Bank of America NA 5830 Independence St, Arvada, CO 80002 A+5.0 ★Texas Ratio: 4.14%	FHA, HELOC	1 +2 HELOCs	0.2%	100%	$365,000	View
Columbia Bank 4600 S Syracuse St, Denver, CO 80237 A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0.2%	100%	$505,000	View
Keybank National Association 15590 W 64th Ave, Arvada, CO 80007 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.2%	100%	$805,000	View
Air Academy Federal Credit Union 4989 Factory Shops Blvd, Castle Rock, CO 80108 A+5.0 ★Texas Ratio: 3.50%	Conventional, Jumbo	1	0.2%	100%	$825,000	View
Colorado Credit Union 1335 Grand Market Ave, Berthoud, CO 80513 A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.2%	100%	$465,000	View
Bokf NA 15490 E Hampden Ave, Aurora, CO 80013 A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.2%	50%	$475,000	View
Foothills Credit Union 7990 W Alameda Ave, Lakewood, CO 80226 A-4.9 ★Texas Ratio: 15.96%	Conventional	1	0.2%	100%	$235,000	View
Wells Fargo Bank NA 6330 Mcintyre Pkwy, Arvada, CO 80403 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.2%	100%	$315,000	View
Fitzsimons Federal Credit Union 6359 S SOUTHLANDS PKWY, AURORA, CO 80016 5319 A5.0 ★Texas Ratio: 9.13%	Conventional	1	0.2%	100%	$25,000	View
Fms Bank 520 Sherman St, Fort Morgan, CO 80701 A-5.0 ★Texas Ratio: 14.68%	Conventional	1	0.2%	100%	$325,000	View
Points West Community Bank 3227 S Timberline Rd, Fort Collins, CO 80525 A+5.0 ★Texas Ratio: 0.27%	Conventional, Jumbo	1	0.2%	100%	$1,385,000	View
Fidelis Catholic Federal Credit Union 6320 Wadsworth Blvd, Arvada, CO 80003 4838 A+5.0 ★Texas Ratio: 2.76%	Conventional	1	0.2%	100%	$75,000	View
Umb Bank NA 12501 W 52nd Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 1.78%	Conventional, Jumbo	1	0.2%	100%	$2,925,000	View
Glacier Bank 105 Centennial Plaza, Buena Vista, CO 81211 A+5.0 ★Texas Ratio: 1.87%	Conventional	1	0.2%	100%	$185,000	View
Canvas Credit Union 7502 W 80th Ave, Arvada, CO 80003 A5.0 ★Texas Ratio: 9.20%	HELOC	0 +18 HELOCs	0%	n/a		View
Northern Colorado Credit Union 909 Mountain Ave, Berthoud, CO 80513 A+5.0 ★Texas Ratio: 5.45%	HELOC	0 +6 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 6450 Indiana St, Arvada, CO 80007 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
Bellco Credit Union 13700 E Colfax Ave Unit O, Aurora, CO 80011 A5.0 ★Texas Ratio: 9.71%	HELOC	0 +3 HELOCs	0%	n/a		View
Credit Union of Colorado, A Federal Credit Union 8770 Wadsworth Blvd Unit R, Arvada, CO 80003 A+5.0 ★Texas Ratio: 3.16%	HELOC	0 +2 HELOCs	0%	n/a		View
Huntington National Bank 7203 W 55th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 3.66%	HELOC	0 +1 HELOCs	0%	n/a		View
American Financing Corporation	Conventional, FHA	8	1.4%	40%	$278,750
Loan Simple, Inc.	Conventional, FHA	8	1.4%	100%	$382,500
Ent Credit Union (68671)	Conventional, HELOC	2 +18 HELOCs	0.3%	50%	$410,000
Megastar Finanacial Corp	Conventional	2	0.3%	100%	$425,000
American Liberty Mortgage Inco	Conventional	1	0.2%	100%	$475,000
Climb Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	73 +5 HELOCs	12.7%	93.7%	$557,054
DHI Mortgage Company, LTD.	Conventional, FHA, VA	56	9.8%	82.9%	$465,178
Rocket Mortgage A5.0 ★Texas Ratio: 10.44%	Conventional, FHA, VA, Jumbo	30	5.2%	86.5%	$259,000	View
Guild Mortgage Company	Conventional, FHA, VA	25	4.4%	96.4%	$402,600
loanDepot.com LLC	Conventional, FHA, VA	24	4.2%	96%	$407,916
Pennymac Loan Services LLC	Conventional, FHA, VA	12	2.1%	85.7%	$330,833
Cmg Mortgage Inc	Conventional, VA, HELOC	11 +2 HELOCs	1.9%	100%	$467,727
Newrez LLC	Conventional, VA	11	1.9%	91.7%	$194,090
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	11	1.9%	78.6%	$499,545
CrossCountry Mortgage, LLC	Conventional, VA	10	1.7%	100%	$525,000
Guaranteed Rate, Inc.	Conventional, FHA	9	1.6%	100%	$438,333
Freedom Mortgage Corporation	Conventional, FHA, VA	9	1.6%	100%	$481,666
Group Mortgage, LLC	Conventional, FHA	9	1.6%	100%	$446,111
Nationstar Mortgage	Conventional	8	1.4%	90%	$116,250
Spring Eq, LLC	Conventional, HELOC	7 +2 HELOCs	1.2%	53.8%	$103,571
The Loan Store, Inc	Conventional	7	1.2%	100%	$412,142
Home Mortgage Advisors, LLC	Conventional, VA, Jumbo, HELOC	6 +1 HELOCs	1%	100%	$601,666
Union Home Mortgage Corp.	Conventional, FHA	6	1%	100%	$533,333
Paramount Residential Mortgage	Conventional, FHA	6	1%	85.7%	$455,000
Toll Brothers Mortgage Company	Conventional	5	0.9%	100%	$431,000
Tri Pointe Connect, LLC	Conventional, FHA	5	0.9%	100%	$359,000
New American Funding, LLC.	Conventional, FHA	5	0.9%	100%	$377,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	4 +4 HELOCs	0.7%	80%	$185,000
Security Service A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	4 +3 HELOCs	0.7%	100%	$197,500
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	4	0.7%	100%	$397,500	View
Kind Lending, LLC	Conventional, FHA, Jumbo	4	0.7%	100%	$552,500
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	4	0.7%	80%	$530,000	View
Amerisave Mortgage Company	Conventional, FHA	4	0.7%	57.1%	$112,500
Synergy One Lending, Inc.	Conventional, Jumbo	4	0.7%	100%	$815,000
Mortgage Research Center	VA, Jumbo	4	0.7%	80%	$670,000
Nmsi, Inc.	Conventional, FHA	4	0.7%	100%	$462,500
Movement Mortgage, LLC	Conventional, Jumbo	3	0.5%	100%	$631,666
Summit Funding.Inc	Conventional	3	0.5%	100%	$341,666
Lower, LLC A+5.0 ★Texas Ratio: 5.32%	Conventional, VA	3	0.5%	100%	$391,666	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	3	0.5%	100%	$691,666	View
Top Flite Financial, Inc.	Conventional, FHA	3	0.5%	100%	$448,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +2 HELOCs	0.3%	66.7%	$150,000	View
Blue Federal Credit Union	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$2,205,000
Pentagon Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$400,000
Royal United Mortgage LLC	Conventional	2	0.3%	100%	$75,000
Lakeview Loan Servicing, LLC	Conventional	2	0.3%	36.4%	$80,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	2	0.3%	100%	$565,000	View
First Colony Mortgage Corporat	Conventional	2	0.3%	100%	$405,000
Incrediblebank A5.0 ★Texas Ratio: 7.72%	Conventional	2	0.3%	100%	$550,000	View
Provident Funding Associates	Conventional	2	0.3%	66.7%	$415,000
Keystone Funding, Inc	FHA, VA	2	0.3%	100%	$445,000
Mutual of Omaha Mortgage	Conventional	2	0.3%	100%	$670,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.3%	100%	$175,000	View
First Technology Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$135,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	1	0.2%	100%	$875,000	View
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.2%	100%	$435,000	View
Primary Residential Mortgage, INC.	Conventional, Jumbo	1	0.2%	100%	$925,000
SWBC Mortgage Corporation	Conventional	1	0.2%	100%	$235,000
Everett Financial, Inc.	Conventional	1	0.2%	100%	$325,000
Canopy Mortgage, LLC	Conventional, Jumbo	1	0.2%	100%	$1,165,000
NOVA Financial & Investment Corporation	Conventional	1	0.2%	100%	$125,000
Sage Home Loans Corporation	Conventional	1	0.2%	100%	$465,000
Envoy Mortgage, Ltd	Conventional	1	0.2%	100%	$385,000
Nbkc Bank	Conventional	1	0.2%	100%	$805,000
Orchard Mortgage, LLC	Conventional	1	0.2%	100%	$265,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.2%	66.7%	$55,000	View
PHH Mortgage Corporation	Conventional	1	0.2%	100%	$555,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.2%	100%	$785,000	View
Resicentral LLC	Conventional	1	0.2%	100%	$665,000
American Financial Network, Inc.	VA	1	0.2%	100%	$295,000
Diamond Residential Mtg Corp	Conventional	1	0.2%	100%	$645,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.2%	100%	$375,000	View
Discover Bank	Conventional	1	0.2%	16.7%	$155,000
Select Lending Services, LLC	Conventional	1	0.2%	100%	$665,000
Click n' Close, Inc.	FHA	1	0.2%	100%	$505,000
Flat Branch Mortgage, Inc.	Conventional	1	0.2%	100%	$475,000
Bay Equity LLC	Conventional	1	0.2%	100%	$545,000
Highlands Residential Mortgage, Ltd.	VA	1	0.2%	100%	$705,000
Cardinal Financial Company, Li	Conventional	1	0.2%	100%	$315,000
Stg Mortgage Inc	Conventional	1	0.2%	100%	$725,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.2%	100%	$455,000	View
Embrace Home Loans, Inc.	VA	1	0.2%	100%	$665,000
T2 Financial LLC	Conventional	1	0.2%	100%	$785,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.2%	100%	$785,000
American Pacific Mortgage Corporation	Conventional	1	0.2%	100%	$425,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.2%	100%	$525,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	1	0.2%	100%	$1,015,000	View
Mission Loans, LLC	Conventional	1	0.2%	100%	$235,000
Towne Mortgage Company A-4.9 ★Texas Ratio: 16.23%	VA	1	0.2%	100%	$465,000	View
Digital Federal Credit Union	Conventional	1	0.2%	100%	$265,000
Better Mortgage Corporation	Conventional	1	0.2%	50%	$635,000
V.I.P. Mortgage, Inc.	VA	1	0.2%	100%	$425,000
Thrivent Federal Credit Union	Conventional	1	0.2%	100%	$55,000
Florida Capital Bank, N.A	Conventional	1	0.2%	100%	$335,000
Thrivent Bank	Conventional	1	0.2%	100%	$285,000
21St Mortgage	Conventional	1	0.2%	20%	$125,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.2%	100%	$105,000
Carrington Mortgage Services LLC	FHA	1	0.2%	50%	$405,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.2%	100%	$255,000
Ark-La-Tex Financial Services LLC	VA	1	0.2%	100%	$695,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.2%	100%	$775,000	View
Village Capital & Investment	VA	1	0.2%	100%	$425,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
AmWest Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Chevron Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Berthoud Mortgage Rate Trends

Daily average mortgage rates for Colorado compared with the national average, updated every evening.

30-Year Fixed CO Avg

7.497%

▲ 0.086 vs 7 days ago

15-Year Fixed CO Avg

7.004%

▲ 0.048 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Berthoud, Colorado

Looking for mortgage lenders near me or mortgage brokers near me in Berthoud? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Berthoud in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Berthoud, CO

Use these to narrow the list above. Each category shows how many Berthoud, CO lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 81 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 41 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 29 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 26 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 21 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CO 25 lenders headquartered in Colorado, the closest thing to a mortgage lender near you

Who Lends in Berthoud, CO

Independent mortgage companies closed 78.5 percent of home loans in Berthoud, Colorado in 2025, banks 12.4 percent and credit unions 9.1 percent. FirstBank was the largest mortgage company, Adams Bank & Trust the largest bank and Elevations Credit Union the largest credit union. Among lenders headquartered in Colorado, Elevations Credit Union led with 28 loans.

78.5%

Mortgage companies

12.4%

Banks

9.1%

Credit unions

12%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Colorado. State documentary fee of $0.01 per $100 (0.01 percent) on deeds over $500; no mortgage recording tax, though some resort towns levy local real estate transfer taxes.

More Colorado Mortgage Lender Pages

All Colorado lenders 874 lenders Colorado Springs 345 lenders Denver 409 lenders Aurora 343 lenders Lakewood 242 lenders Thornton 247 lenders Castle Rock 266 lenders Arvada 247 lenders Fort Collins 231 lenders Centennial 247 lenders Pueblo 179 lenders Commerce City 209 lenders Parker 214 lenders

Frequently Asked Questions About Mortgage Lenders in Berthoud, CO

Who is the largest mortgage lender in Berthoud, CO?

By home loans closed in 2025, Adams Bank & Trust was the largest mortgage lender in Berthoud, Colorado with 2 loans, about 0.3 percent of the market. The largest lender headquartered in Colorado was Elevations Credit Union with 28 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Berthoud, CO have the highest approval rates?

Among lenders with meaningful volume in Berthoud, Colorado, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.7 percent, against a 86.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Berthoud, CO mortgage lenders offer FHA, VA and USDA loans?

29 lenders closed FHA loans in Berthoud, Colorado in 2025, led by United Wholesale Mortgage with 11. 26 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Berthoud, CO lender list?

Yes. 41 banks and 24 credit unions closed home loans in Berthoud, Colorado in 2025, alongside 81 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Berthoud, CO ranked on this page?

Lenders are ranked only by the number of home loans they closed in Berthoud, Colorado during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Berthoud, Colorado for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Berthoud. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.