Mortgage Lenders and Brokers in Montrose, Colorado
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Montrose, Colorado mortgage lenders include The Central Trust BankThe Central Trust Bank5278 N Nevada Ave Ste 100, Colorado Springs, CO 80918A+5.0 ★Texas Ratio: 3.12%, Alpine BankAlpine Bank2770 Alpine Dr, Montrose, CO 81401A+5.0 ★Texas Ratio: 1.98%, US Bank, N.A.US Bank, N.A.1500 E Oak Grove Rd, Montrose, CO 81401A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1475 S Townsend Ave, Montrose, CO 81401A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA1105 S Townsend Ave, Montrose, CO 81401A+5.0 ★Texas Ratio: 3.54%, NBH BankNBH Bank330 S 12th Street Unit B Stuite 1, Montrose, CO 81401A+5.0 ★Texas Ratio: 2.90%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1200 S Townsend Ave, Montrose, CO 81401A+5.0 ★Texas Ratio: 3.72%, Bank of ColoradoBank of Colorado16550 S Townsend Ave, Montrose, CO 81401A+5.0 ★Texas Ratio: 3.16%, Timberline BankTimberline Bank1561 Oxbow Dr, Montrose, CO 81401A+5.0 ★Texas Ratio: 0.54%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9611 W 58th Ave, Arvada, CO 80002A+5.0 ★Texas Ratio: 3.68%. 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 Montrose, Colorado in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Montrose 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 Montrose, Colorado
Market share is the lender's share of all home loans closed in Montrose, 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 |
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1 office in Montrose 5278 N Nevada Ave Ste 100, Colorado Springs, CO 80918 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA, VA, USDA, Jumbo, HELOC | 55 +9 HELOCs |
7.3% | 100% | $366,090 | View |
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1 office in Montrose 2770 Alpine Dr, Montrose, CO 81401 A+5.0 ★Texas Ratio: 1.98% |
Conventional, HELOC | 12 +38 HELOCs |
1.6% | 72.2% | $288,333 | View |
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1 office in Montrose 1500 E Oak Grove Rd, Montrose, CO 81401 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 12 +5 HELOCs |
1.6% | 80% | $311,666 | View |
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1 office in Montrose 1475 S Townsend Ave, Montrose, CO 81401 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.7% | 71.4% | $319,000 | View |
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1 office in Montrose 1105 S Townsend Ave, Montrose, CO 81401 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 4 +7 HELOCs |
0.5% | 57.1% | $542,500 | View |
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1 office in Montrose 330 S 12th Street Unit B Stuite 1, Montrose, CO 81401 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 2 | 0.3% | 100% | $335,000 | View |
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1 office in Montrose 1200 S Townsend Ave, Montrose, CO 81401 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $525,000 | View |
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16550 S Townsend Ave, Montrose, CO 81401 A+5.0 ★Texas Ratio: 3.16% |
Conventional, FHA, Jumbo, HELOC | 22 +9 HELOCs |
2.9% | 84.6% | $361,363 | View |
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1561 Oxbow Dr, Montrose, CO 81401 A+5.0 ★Texas Ratio: 0.54% |
Conventional | 5 | 0.7% | 100% | $227,000 | View |
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9611 W 58th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $440,000 | View |
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1738 Pearl St, Boulder, CO 80302 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA | 2 | 0.3% | 100% | $280,000 | View |
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8770 Wadsworth Blvd Unit R, Arvada, CO 80003 A+5.0 ★Texas Ratio: 3.16% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $245,000 | View |
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7502 W 80th Ave, Arvada, CO 80003 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $735,000 | View |
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201 N Mill St, Aspen, CO 81611 A+5.0 ★Texas Ratio: 5.16% |
Conventional, Jumbo | 1 | 0.1% | 100% | $855,000 | View |
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840 Pearl St, Boulder, CO 80302 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 0.1% | 100% | $625,000 | View |
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1419 W Us Highway 50, Pueblo, CO 81008 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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13700 E Colfax Ave Unit O, Aurora, CO 80011 A5.0 ★Texas Ratio: 9.71% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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2960 Diagonal Highway, Boulder, CO 80301 1412 A+5.0 ★Texas Ratio: 3.03% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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7203 W 55th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5830 Independence St, Arvada, CO 80002 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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15490 E Hampden Ave, Aurora, CO 80013 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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9332 Dorchester St, Highlands Ranch, CO 80129 A+5.0 ★Texas Ratio: 4.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premier Members Credit Union
12379 W 64th Ave, Arvada, CO 80004 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 5 stars, 1 review 3216 W Colorado Ave, Colorado Springs, CO 80904 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Solutions of Colorado
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Conventional, FHA, VA | 6 | 0.8% | 100% | $313,333 | |
American Financing Corporation
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Conventional | 3 | 0.4% | 57.1% | $331,666 | |
Loan Simple, Inc.
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FHA | 3 | 0.4% | 100% | $255,000 | |
Ent Credit Union (68671)
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Climb Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 163 | 21.7% | 98.9% | $293,711 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 57 | 7.6% | 92.1% | $377,280 | |
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A5.0 ★Texas Ratio: 10.44% |
Conventional, FHA, VA | 56 | 7.4% | 81.9% | $261,607 | View |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA, USDA | 35 | 4.7% | 97.2% | $282,142 | View |
New American Funding, LLC.
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Conventional, FHA, VA | 24 | 3.2% | 96% | $315,833 | |
The Mortgage Link, Inc.
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Conventional, FHA, VA | 23 | 3.1% | 100% | $329,782 | |
Nextmortgage, LLC
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Conventional, FHA, VA, USDA | 17 | 2.3% | 100% | $365,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 1.7% | 82.4% | $315,769 | |
Nationstar Mortgage
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Conventional, FHA, VA | 12 | 1.6% | 70.6% | $230,833 | |
Fairway Independent Mort Corp
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Conventional, FHA | 12 | 1.6% | 92.3% | $298,333 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 11 | 1.5% | 81.5% | $90,454 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 11 | 1.5% | 100% | $289,545 | |
Spring Eq, LLC
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Conventional, HELOC | 10 +2 HELOCs |
1.3% | 62.5% | $90,000 | |
Freedom Mortgage Corporation
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FHA, VA | 8 | 1.1% | 60% | $320,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 8 | 1.1% | 100% | $456,250 | |
Mortgage Research Center
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VA | 7 | 0.9% | 70% | $355,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +2 HELOCs |
0.8% | 85.7% | $221,666 | |
Newrez LLC
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Conventional | 6 | 0.8% | 85.7% | $216,666 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 0.8% | 54.5% | $316,666 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 6 | 0.8% | 100% | $386,666 | |
21St Mortgage
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Conventional | 6 | 0.8% | 22.2% | $123,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.5% | 57.1% | $425,000 | View |
V.I.P. Mortgage, Inc.
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Conventional | 4 | 0.5% | 100% | $455,000 | |
Nmsi, Inc.
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Conventional | 4 | 0.5% | 100% | $582,500 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 0.4% | 100% | $445,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.4% | 100% | $341,666 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 3 | 0.4% | 100% | $368,333 | |
Synergy One Lending, Inc.
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Conventional, Jumbo | 3 | 0.4% | 100% | $535,000 | |
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A-5.0 ★Texas Ratio: 14.43% |
Conventional, FHA | 3 | 0.4% | 100% | $398,333 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 0.4% | 100% | $371,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 0.4% | 100% | $498,333 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA, Jumbo | 3 | 0.4% | 100% | $508,333 | View |
Paramount Residential Mortgage
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FHA, VA | 3 | 0.4% | 100% | $325,000 | |
Plaza Home Mortgage, Inc
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Conventional | 3 | 0.4% | 100% | $331,666 | |
Genisys Credit Union
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Conventional | 2 | 0.3% | 100% | $510,000 | |
Originpoint, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $245,000 | |
American Portfolio Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $430,000 | |
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B+4.8 ★Texas Ratio: 17.04% |
Conventional | 2 | 0.3% | 66.7% | $415,000 | View |
Liberty Federal Credit Union
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Conventional, FHA | 2 | 0.3% | 100% | $550,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.3% | 100% | $185,000 | View |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.3% | 33.3% | $325,000 | |
Loanunited.Com, LLC
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VA | 2 | 0.3% | 100% | $420,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.3% | 33.3% | $270,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional, FHA | 2 | 0.3% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 6.66% |
FHA, VA | 2 | 0.3% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 5.32% |
Conventional | 2 | 0.3% | 100% | $290,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $75,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.3% | 100% | $260,000 | View |
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A4.7 ★Texas Ratio: 2.58% |
Conventional, USDA | 2 | 0.3% | 66.7% | $315,000 | View |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +3 HELOCs |
0.1% | 100% | $585,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $205,000 | |
Alliant Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $965,000 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $45,000 | |
Blue Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $635,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.1% | 50% | $495,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
AdvantageFirst Lending Inc
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VA | 1 | 0.1% | 100% | $295,000 | |
American Financial Network, Inc.
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VA | 1 | 0.1% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.54% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 14.3% | $55,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 100% | $45,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $385,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Bay Equity LLC
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Conventional | 1 | 0.1% | 100% | $585,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 50% | $455,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 100% | $185,000 | |
First International Bank & Trust
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Summit Mortgage Corporation
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VA | 1 | 0.1% | 100% | $405,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 50% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 50% | $255,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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A-4.9 ★Texas Ratio: 16.23% |
Conventional | 1 | 0.1% | 100% | $695,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $455,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $575,000 | |
Logan Finance Corporation
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Conventional | 1 | 0.1% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
Thrivent Bank
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 25% | $195,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.1% | 100% | $445,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Montrose Mortgage Rate Trends
Daily average mortgage rates for Colorado compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Montrose, Colorado
Looking for mortgage lenders near me or mortgage brokers near me in Montrose? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Montrose in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Montrose, CO
Use these to narrow the list above. Each category shows how many Montrose, CO lenders fit and what that kind of lender is usually best for.
Who Lends in Montrose, CO
Independent mortgage companies closed 73 percent of home loans in Montrose, Colorado in 2025, banks 24.9 percent and credit unions 2.1 percent. FirstBank was the largest mortgage company, The Central Trust Bank the largest bank and Credit Union of Colorado, A Federal Credit Union the largest credit union. Among lenders headquartered in Colorado, Alpine Bank led with 12 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
Frequently Asked Questions About Mortgage Lenders in Montrose, CO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Montrose, Colorado with 55 loans, about 7.3 percent of the market. The largest lender headquartered in Colorado was Alpine Bank with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Montrose, Colorado, The Central Trust Bank approved the highest share of completed applications in 2025 at 100 percent, against a 86.2 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.
33 lenders closed FHA loans in Montrose, Colorado in 2025, led by Guild Mortgage Company with 29. 29 lenders closed VA loans, led by United Wholesale Mortgage, and 5 closed USDA rural loans. 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.
Yes. 38 banks and 17 credit unions closed home loans in Montrose, Colorado in 2025, alongside 77 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.
Lenders are ranked only by the number of home loans they closed in Montrose, 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 Montrose, 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 Montrose. 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.
