The Lenders Community Survey gathers homeowners feedback and 106 lenders recommendations for Colorado home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 15, 2025
<< Human Powered Recommendations >>
Colorado Top Lenders for Home Refinance Loans
Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Wesminster, Pueblo, Centennial, Online lenders.
Recommendations are gathered from 1,281 Coloradans members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Colorado Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Colorado Homeowners.
Denver Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Denver’s area are Elevations Credit Union, FirstBank and Bellco Credit Union.
| Lender | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Elevations Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| Security Service Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Westerra Credit Union | Credit Union | 3.5 | 4.5 | 4.0 | 92% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Bank of Colorado | Bank | 3.5 | 3.5 | 3.5 | 85% |
| Academy Bank | Bank | 3.5 | 3.5 | 3.5 | 83% |
| PNC Bank | Bank | 3.0 | 3.5 | 3.5 | 80% |
| TCF Bank | Bank | 3.0 | 3.5 | 3.0 | 78% |
| Academy Mortgage | Bank | 3.0 | 3.0 | 3.5 | 75% |
Colorado Springs Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Colorado Springs’s area are Ent Credit Union, Academy Bank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Ent Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| Academy Bank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Security Service Federal CU | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| FirstBank | Bank | 4.0 | 4.0 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Pikes Peak Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 85% |
Aurora Springs Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Aurora’s area are Ent Credit Union, FirstBank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Ent Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Security Service Federal CU | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Academy Bank | Bank | 3.5 | 3.5 | 3.5 | 85% |
| Pikes Peak Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 83% |
Fort Collins Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Fort Collins’s area are Elevations Credit Union, FirstBank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Elevations Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| Bank of Colorado | Bank | 4.0 | 4.0 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Points West Community Bank | Community Bank | 3.5 | 3.5 | 3.5 | 85% |
Lakewood Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lakewood’s area are Elevations Credit Union, FirstBank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Elevations Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| Security Service Federal CU | Credit Union | 4.0 | 4.0 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Bank of Colorado | Bank | 3.5 | 3.5 | 3.5 | 85% |
Thornton Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Thornton’s area are Elevations Credit Union, FirstBank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Elevations Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| Security Service Federal CU | Credit Union | 4.0 | 4.0 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Bank of Colorado | Bank | 3.5 | 3.5 | 3.5 | 85% |
Arvada Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Arvada’s area are FirstBank, Bellco Credit Union and Elevations Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Elevations Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 88% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 87% |
| Bank of Colorado | Bank | 3.5 | 3.5 | 3.5 | 85% |
| Academy Bank | Bank | 3.5 | 3.5 | 3.5 | 83% |
| Points West Community Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Westminster Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Westminster’s area are Independent Financial, BOK Financial and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Independent Financial | Bank | 4.5 | 5.0 | 5.0 | 98% |
| BOK Financial | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Bank of Colorado | Bank | 3.5 | 3.5 | 3.5 | 85% |
Pueblo Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Pueblo’s area are Ent Credit Union, Bank of Colorado and Pueblo Bank & Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Ent Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| Bank of Colorado | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Pueblo Bank & Trust | Community Bank | 4.0 | 4.5 | 4.5 | 96% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.0 | 95% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Legacy Bank | Community Bank | 3.5 | 3.5 | 3.5 | 85% |
Centennial Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Centennial’s area are Elevations Credit Union, FirstBank and Bellco Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Elevations Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 98% |
| FirstBank | Bank | 4.5 | 4.5 | 4.5 | 97% |
| Bellco Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 96% |
| Ent Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 95% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 93% |
| Chase Bank | Bank | 3.5 | 4.0 | 4.0 | 90% |
| Bank of the West | Bank | 3.5 | 3.5 | 3.5 | 85% |
Best Colorado Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Colorado are Rocket Mortgage, loanDepot and Better Mortgage.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $2.5M | 6.25%–7.75% | 8–30 years | 5.0 | 4.5 | 4.5 | 95% |
| loanDepot | Up to $3M | 6.50%–8.00% | 10–30 years | 4.5 | 4.0 | 4.5 | 92% |
| Better Mortgage | Up to $2M | 6.00%–7.50% | 15–30 years | 4.5 | 4.5 | 4.0 | 90% |
| Guaranteed Rate | Up to $2M | 6.00%–7.75% | 10–30 years | 4.0 | 4.0 | 4.5 | 88% |
| SoFi | Up to $5M | 6.75%–8.25% | 10–30 years | 5.0 | 4.0 | 4.0 | 89% |
| New American Funding | Up to $3M | 6.25%–8.00% | 10–30 years | 4.0 | 4.5 | 4.5 | 91% |
| Freedom Mortgage | Up to $1.5M | 6.50%–8.50% | 15–30 years | 3.5 | 3.5 | 4.0 | 85% |
| PennyMac | Up to $3M | 6.00%–7.75% | 10–30 years | 4.0 | 4.0 | 4.0 | 87% |
| Seattle Bank | Up to $2M | 6.25%–7.50% | 10–30 years | 4.5 | 4.5 | 4.5 | 93% |
| LendingTree | Varies by lender | 6.00%–8.50% | 10–30 years | 4.5 | 4.0 | 4.0 | 86% |
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