Licensed · Boulder
Licensed & Insured Mortgage Brokers in Boulder, CO
Every mortgage brokers listed here carries proper licensing and insurance in CO. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Boulder, CO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Brian Manning, Mortgage Lender with a 5.0-star rating from 457 Google reviews and an RNM Score of 88/100. Also in the top tier: Amanda and John Sessa, SWBC Mortgage and David Cox, Mortgage Broker with Greenlight Mortgage Group. The average rating across all listed mortgage brokers in Boulder is 5 stars from 83 reviews per business on average.
Mortgage brokers in Boulder: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in Boulder, CO provide a range of home loan services to local residents, including assistance with securing mortgages, refinancing, and navigating the home buying process. Consumers should research brokers' experience, licensing, and customer reviews when selecting a mortgage professional in the Boulder area.
- ✓Mortgage brokers in Boulder, CO help clients obtain home loans and refinance existing mortgages
- ✓Brokers guide consumers through the home buying process and provide expertise on mortgage options
- ✓Researching a broker's qualifications and customer reviews is important when choosing a local mortgage professional
Best Overall
Cedar Home Loans
Cedar Home Loans is consistently recognized as the top-ranked mortgage broker in Boulder due to its exceptional customer service and competitive rates.
Most Reviewed
Allied Mortgage Group - Boulder
A high number of reviews provides a reliable indicator of customer satisfaction and can help borrowers assess the lender's trustworthiness and service quality.
When choosing a mortgage broker in Boulder, consider not only the overall ranking but also the volume and recency of reviews, and be sure to compare loan options and fees from multiple providers.
How to Choose a Mortgage Broker in Boulder
What to look for
- • Years of experience in the Boulder, CO mortgage market
- • Knowledge of local lenders and loan programs available
- • Strong communication skills and responsiveness
- • Transparent fees and cost estimates
Questions to ask
- • How long have you been a mortgage broker in Boulder?
- • What loan programs do you most commonly work with in this area?
- • How will you communicate with me throughout the process?
Red flags
- ⚠ Unwillingness to provide references or reviews
- ⚠ Vague or unclear fee structure
- ⚠ High-pressure sales tactics
In Colorado, mortgage brokers must be licensed by the Division of Real Estate. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
83
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Boulder's top-rated mortgage broker with a perfect 5.0★ score from over 450 reviews.
1790 38th St Suite 100, Boulder, CO 80301, USABoulder's top-rated mortgage broker with a perfect 5.0 rating from 188 reviews.
1023 Walnut St #100, Boulder, CO 80302, USARated 5.0 stars from 155 Google reviews, reflecting exceptional client satisfaction.
1035 Pearl St STE 411, Boulder, CO 80302, USAMortgage Brokers Rankings in Boulder, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Brian Manning, Mortgage Lender1790 38th St Suite 100, Boulder, CO 80301, USA | 5.0★ | 457 |
| #2 | Amanda and John Sessa, SWBC Mortgage1023 Walnut St #100, Boulder, CO 80302, USA | 5.0★ | 188 |
| #3 | David Cox, Mortgage Broker with Greenlight Mortgage Group1035 Pearl St STE 411, Boulder, CO 80302, USA | 5.0★ | 155 |
| #4 | Philip Zajicek - PMZ Mortgage2101 Pearl St, Boulder, CO 80302, USA | 5.0★ | 63 |
| #5 | Matthew Cooke Mortgage1710 13th St, Boulder, CO 80302, USA | 5.0★ | 54 |
| #6 | SWBC Mortgage Boulder1023 Walnut St #100, Boulder, CO 80302, USA | 5.0★ | 14 |
| #7 | Crowder Mortgage1434 Spruce St Suite 100, Boulder, CO 80302, USA | 5.0★ | 7 |
| #8 | Karen Hope, Mortgage Lender NMLS 1931801495 Canyon Blvd Office #213, Boulder, CO 80302, USA | 4.9★ | 47 |
| #9 | Guild Mortgage Company1790 38th St # 206, Boulder, CO 80301, USA | 4.9★ | 39 |
| #10 | Oxygen Mortgage3800 Arapahoe Ave #210, Boulder, CO 80303, USA | 5.0★ | 35 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Boulder
Boulder’s top-rated mortgage broker with a flawless 5.0-star average from 63 reviews.
2101 Pearl St, Boulder, CO 80302, USA
Rated 5.0 stars from 54 Google reviews, this Boulder mortgage broker is highly trusted.
1710 13th St, Boulder, CO 80302, USA
Boulder's top-rated mortgage broker with a 4.9-star average from 47 Google reviews.
1495 Canyon Blvd Office #213, Boulder, CO 80302, USA
Top-rated Boulder mortgage broker with a 4.9-star average from 39 reviews.
1790 38th St # 206, Boulder, CO 80301, USA
5.0 stars from 35 reviews, reflecting exceptional client satisfaction.
3800 Arapahoe Ave #210, Boulder, CO 80303, USA
Earned a stellar 4.9-star rating from 29 local Google reviews.
1637 Pearl St STE 203, Boulder, CO 80302, USA
Boulder mortgage broker with a 5.0-star rating from over 100 Google reviews.
1035 Pearl St STE 411, Boulder, CO 80302, USA
Rated 4.9 stars from 86 Google reviews, this Boulder mortgage broker is highly trusted.
4875 Pearl E Cir #100, Boulder, CO 80301, USA
Borrowers praise this Boulder mortgage broker for exceptional service, reflected in a perfect 5.0-star rating from 73 reviews.
1035 Pearl St STE 411, Boulder, CO 80302, USA
Boulder mortgage broker with a perfect 5.0-star rating from 19 reviews.
1710 13th St, Boulder, CO 80302, USA
Consistently earns 5.0 stars from over 30 Google reviews in Boulder.
1035 Pearl St STE 411, Boulder, CO 80302, USA
Boulder's top-rated mortgage broker with a flawless 5.0-star rating from 29 reviews.
5377 Manhattan Cir # 103, Boulder, CO 80303, USA
5.0 stars from 30 Google reviews, reflecting exceptional client satisfaction.
730 Maxwell Ave, Boulder, CO 80304, USA
Boulder's top-rated mortgage broker with 4.9 stars from over 100 reviews.
3800 Arapahoe Ave #240, Boulder, CO 80303, USA
Accredited 5.0-star mortgage broker with 88 glowing Google reviews in Boulder.
1495 Canyon Blvd Office #213, Boulder, CO 80302, USA
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Mortgage Brokers in Boulder, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Brian Manning, Mortgage Lender | 88/100 | 5.0 ★ | 457 |
| 2 | Amanda and John Sessa, SWBC Mortgage | 87/100 | 5.0 ★ | 188 |
| 3 | David Cox, Mortgage Broker with Greenlight Mortgage Group | 86/100 | 5.0 ★ | 155 |
| 4 | Philip Zajicek - PMZ Mortgage | 81/100 | 5.0 ★ | 63 |
| 5 | Matthew Cooke Mortgage | 80/100 | 5.0 ★ | 54 |
| 6 | SWBC Mortgage Boulder | 73/100 | 5.0 ★ | 14 |
| 7 | Crowder Mortgage | 70/100 | 5.0 ★ | 7 |
| 8 | Karen Hope, Mortgage Lender NMLS 193180 | 78/100 | 4.9 ★ | 47 |
| 9 | Guild Mortgage Company | 77/100 | 4.9 ★ | 39 |
| 10 | Oxygen Mortgage | 78/100 | 5.0 ★ | 35 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Boulder
What does a mortgage broker do differently than going directly to a bank in Boulder?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Boulder?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CO?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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