Mortgage Lenders and Brokers in Pagosa Springs, 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
Pagosa Springs, Colorado mortgage lenders include Glacier BankGlacier Bank195 Hot Springs Blvd, Pagosa Springs, CO 81147A+5.0 ★Texas Ratio: 1.87%, Wells Fargo Bank NAWells Fargo Bank NA50 Harman Park Dr, Pagosa Springs, CO 81147A+5.0 ★Texas Ratio: 5.36%, TBK Bank, SSBTBK Bank, SSB27 Talisman Dr, Pagosa Springs, CO 81147A5.0 ★Texas Ratio: 8.52%, The Central Trust BankThe Central Trust Bank5278 N Nevada Ave Ste 100, Colorado Springs, CO 80918A+5.0 ★Texas Ratio: 3.12%, Bank of ColoradoBank of Colorado205 Country Center Dr, Pagosa Springs, CO 81147A+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%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.534 E Hyman Ave, Aspen, CO 81611A+5.0 ★Texas Ratio: 3.72%, NBH BankNBH Bank2061 Main St, Alamosa, CO 81101A+5.0 ★Texas Ratio: 2.90%, BMO Harris Bank NABMO Harris Bank NA12880 W 64th Ave, Arvada, CO 80004A+5.0 ★Texas Ratio: 3.54%, 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 Pagosa Springs, Colorado in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pagosa Springs 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 Pagosa Springs, Colorado
Market share is the lender's share of all home loans closed in Pagosa Springs, 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 Pagosa Springs 195 Hot Springs Blvd, Pagosa Springs, CO 81147 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, HELOC | 11 +5 HELOCs |
3.5% | 64.7% | $276,818 | View |
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1 office in Pagosa Springs 50 Harman Park Dr, Pagosa Springs, CO 81147 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1% | 75% | $261,666 | View |
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2 offices in Pagosa Springs 27 Talisman Dr, Pagosa Springs, CO 81147 A5.0 ★Texas Ratio: 8.52% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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5278 N Nevada Ave Ste 100, Colorado Springs, CO 80918 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA, VA, Jumbo, HELOC | 40 +6 HELOCs |
12.9% | 97.6% | $343,250 | View |
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205 Country Center Dr, Pagosa Springs, CO 81147 A+5.0 ★Texas Ratio: 3.16% |
Conventional, Jumbo, HELOC | 20 +7 HELOCs |
6.5% | 95.5% | $542,000 | View |
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9611 W 58th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 1.9% | 100% | $625,000 | View |
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534 E Hyman Ave, Aspen, CO 81611 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $630,000 | View |
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2061 Main St, Alamosa, CO 81101 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 2 | 0.6% | 100% | $480,000 | View |
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12880 W 64th Ave, Arvada, CO 80004 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 2 | 0.6% | 100% | $995,000 | View |
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9590 W 58th Ave, Arvada, CO 80002 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.3% | 50% | $535,000 | View |
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8770 Wadsworth Blvd Unit R, Arvada, CO 80003 A+5.0 ★Texas Ratio: 3.16% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $255,000 | View |
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205 Country Center Dr, Pagosa Springs, CO 81147 A+5.0 ★Texas Ratio: 3.16% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $335,000 | View |
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3110 N Nevada Ave, Colorado Springs, CO 80907 A+5.0 ★Texas Ratio: 4.68% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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15490 E Hampden Ave, Aurora, CO 80013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
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7270A W 88th Ave, Arvada, CO 80003 A+5.0 ★Texas Ratio: 3.20% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,475,000 | View |
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1601 28th St, Boulder, CO 80301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
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5830 Independence St, Arvada, CO 80002 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7502 W 80th Ave, Arvada, CO 80003 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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119 Aspen Airport Business Ctr, Aspen, CO 81611 A+5.0 ★Texas Ratio: 1.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800 A+5.0 ★Texas Ratio: 2.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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13700 E Colfax Ave Unit O, Aurora, CO 80011 A5.0 ★Texas Ratio: 9.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 6450 Indiana St, Arvada, CO 80007 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Financing Corporation
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Conventional, FHA | 3 | 1% | 66.7% | $278,333 | |
The Mortgage Company
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Conventional | 2 | 0.6% | 100% | $180,000 | |
Megastar Finanacial Corp
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Ent Credit Union (68671)
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HELOC | 0 +2 HELOCs |
0% | 100% | ||
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A5.0 ★Texas Ratio: 10.44% |
Conventional, FHA, VA | 37 | 11.9% | 79.2% | $269,324 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 36 +4 HELOCs |
11.6% | 87.8% | $400,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 12 | 3.9% | 85.7% | $395,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 9 | 2.9% | 100% | $348,333 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, FHA, Jumbo | 7 | 2.3% | 87.5% | $700,714 | View |
loanDepot.com LLC
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Conventional, VA, HELOC | 6 +1 HELOCs |
1.9% | 85.7% | $411,666 | |
Fairway Independent Mort Corp
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Conventional, VA | 6 | 1.9% | 100% | $406,666 | |
Mortgage Research Center
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VA | 5 | 1.6% | 50% | $437,000 | |
The Loan Store, Inc
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Conventional, FHA | 5 | 1.6% | 100% | $317,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 4 | 1.3% | 100% | $247,500 | |
Cadence Bank
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Conventional, Jumbo | 3 | 1% | 100% | $1,278,333 | |
Primelending
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Conventional | 3 | 1% | 100% | $305,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1% | 100% | $628,333 | |
Newrez LLC
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Conventional, VA | 3 | 1% | 75% | $458,333 | |
V.I.P. Mortgage, Inc.
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Conventional, Jumbo | 3 | 1% | 100% | $661,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 1% | 100% | $695,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1% | 75% | $438,333 | |
Kind Lending, LLC
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Conventional | 2 | 0.6% | 66.7% | $545,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,205,000 | View |
Cmg Mortgage Inc
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Conventional | 2 | 0.6% | 100% | $535,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.6% | 100% | $635,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 2 | 0.6% | 66.7% | $1,375,000 | |
Florida Capital Bank, N.A
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Conventional | 2 | 0.6% | 100% | $505,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.6% | 66.7% | $130,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $345,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $105,000 | View |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $515,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.3% | 33.3% | $295,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.3% | 100% | $375,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $175,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 20% | $805,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.3% | 100% | $245,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 50% | $605,000 | |
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A5.0 ★Texas Ratio: 6.69% |
VA, Jumbo | 1 | 0.3% | 100% | $915,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $775,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 20% | $85,000 | |
Intercap Lending Inc
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Conventional | 1 | 0.3% | 100% | $775,000 | |
Chevron Federal Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $825,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.3% | 100% | $775,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $585,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 50% | $235,000 | |
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A+5.0 ★Texas Ratio: 5.98% |
Conventional | 1 | 0.3% | 100% | $615,000 | View |
Salal Credit Union
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Conventional | 1 | 0.3% | 100% | $655,000 | |
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A-5.0 ★Texas Ratio: 14.43% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $365,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.3% | 100% | $515,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,255,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.3% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 0.3% | 50% | $205,000 | View |
Better Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 50% | $1,595,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $215,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.3% | 50% | $205,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
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A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.3% | 100% | $795,000 | View |
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A+5.0 ★Texas Ratio: 5.32% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
Compass Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
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A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.3% | 100% | $105,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 50% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Pagosa Springs 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 Pagosa Springs, Colorado
Looking for mortgage lenders near me or mortgage brokers near me in Pagosa Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pagosa Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pagosa Springs, CO
Use these to narrow the list above. Each category shows how many Pagosa Springs, CO lenders fit and what that kind of lender is usually best for.
Who Lends in Pagosa Springs, CO
Independent mortgage companies closed 56.1 percent of home loans in Pagosa Springs, Colorado in 2025, banks 40.3 percent and credit unions 3.5 percent. American Financing Corporation was the largest mortgage company, Glacier Bank the largest bank and Credit Union of Colorado, A Federal Credit Union the largest credit union. Among lenders headquartered in Colorado, Bank of Colorado led with 20 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 Pagosa Springs, CO
By home loans closed in 2025, Glacier Bank was the largest mortgage lender in Pagosa Springs, Colorado with 11 loans, about 3.5 percent of the market. The largest lender headquartered in Colorado was Bank of Colorado with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Pagosa Springs, Colorado in 2025, led by United Wholesale Mortgage with 5. 15 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.
Yes. 38 banks and 13 credit unions closed home loans in Pagosa Springs, Colorado in 2025, alongside 48 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 Pagosa Springs, 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 Pagosa Springs, 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 Pagosa Springs. 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.
