Best Value · Centennial
Affordable Mortgage Brokers in Centennial, CO
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of August 2026, RatingsNearMe ranks 17 mortgage brokers in Centennial, CO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Vince Reece | Colorado Mortgage Guy with a 5.0-star rating from 34 Google reviews and an RNM Score of 89/100. Also in the top tier: Excel Financial Mortgage Brokers and NEO Home Loans. The average rating across all listed mortgage brokers in Centennial is 5 stars from 118 reviews per business on average.
Mortgage brokers in Centennial: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated August 2, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
118
Avg reviews
Aug 2, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 34 Google reviews, this Centennial broker is highly trusted.
10952 S Pikes Peak Dr, Parker, CO 80138, USAEarns a stellar 4.9-star rating from 38 local client reviews.
3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USACentennial mortgage broker with a perfect 5.0★ rating from over 330 reviews.
9200 E Mineral Ave #100, Centennial, CO 80112, USAMortgage Brokers Rankings in Centennial, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Vince Reece | Colorado Mortgage Guy10952 S Pikes Peak Dr, Parker, CO 80138, USA | 5.0★ | 34 |
| #2 | Excel Financial Mortgage Brokers3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USA | 4.9★ | 38 |
| #3 | NEO Home Loans9200 E Mineral Ave #100, Centennial, CO 80112, USA | 5.0★ | 336 |
| #4 | Colorado Lending Inc.6851 S Holly Cir STE 280, Centennial, CO 80112, USA | 5.0★ | 45 |
| #5 | Colorado Real Estate Finance Group6075 S Quebec St #100, Englewood, CO 80111, USA | 4.9★ | 237 |
| #6 | Guild Mortgage - Rebecca Hansen6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA | 5.0★ | 182 |
| #7 | HL & D CORP - Mortgage Brokers5921 S Akron Way, Greenwood Village, CO 80111, USA | 5.0★ | 152 |
| #8 | Scott Kagi, Mortgage Lender1587 McMurdo Trail, Castle Rock, CO 80108, USA | 5.0★ | 32 |
| #9 | A Better Choice Mortgage7698 S Locust St, Centennial, CO 80112, USA | 5.0★ | 29 |
| #10 | Liberty Mortgage Group7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA | 4.8★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated August 2026
All Mortgage Brokers in Centennial
Centennial mortgage broker with a perfect 5.0-star rating from 45 reviews.
6851 S Holly Cir STE 280, Centennial, CO 80112, USA
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
6075 S Quebec St #100, Englewood, CO 80111, USA
Consistently earns a perfect 5.0-star rating from hundreds of local reviews.
6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA
Top-rated mortgage broker in Centennial with 5.0 stars from over 150 reviews.
5921 S Akron Way, Greenwood Village, CO 80111, USA
5.0-star rating from 32 reviews, reflecting exceptional client satisfaction in Centennial.
1587 McMurdo Trail, Castle Rock, CO 80108, USA
Top-rated Centennial mortgage broker with a perfect 5.0★ score from 29 glowing reviews.
7698 S Locust St, Centennial, CO 80112, USA
Highly rated local mortgage broker with 4.8 stars from 37 reviews.
7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA
Trusted by hundreds of local clients with a 4.9-star rating.
9000 E Nichols Ave Ste 225B, Centennial, CO 80112, USA
5.0 stars from over 230 Google reviews for a trusted local mortgage broker.
6767 S Spruce St Unit 295, Centennial, CO 80112, USA
Top-rated Centennial mortgage broker with a perfect 5.0-star rating from over 200 reviews.
7343 S Alton Way STE 150, Centennial, CO 80112, USA
Centennial mortgage broker with a flawless 5.0-star rating from over 150 reviews.
9250 E Costilla Ave, Greenwood Village, CO 80112, USA
Top-rated Centennial mortgage broker with dozens of exceptional client reviews.
6300 S Syracuse Way #155, Centennial, CO 80111, USA
Trusted by dozens of local clients with a near-perfect 4.9-star rating.
6436 S Racine Cir Suite 114, Centennial, CO 80111, USA
Trusted by 23 clients with a perfect 5.0-star rating in Centennial.
7958 S Chester St, Centennial, CO 80112, USA
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Mortgage Brokers in Centennial, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Vince Reece | Colorado Mortgage Guy | 89/100 | 5.0 ★ | 34 |
| 2 | Excel Financial Mortgage Brokers | 88/100 | 4.9 ★ | 38 |
| 3 | NEO Home Loans | 88/100 | 5.0 ★ | 336 |
| 4 | Colorado Lending Inc. | 79/100 | 5.0 ★ | 45 |
| 5 | Colorado Real Estate Finance Group | 86/100 | 4.9 ★ | 237 |
| 6 | Guild Mortgage - Rebecca Hansen | 87/100 | 5.0 ★ | 182 |
| 7 | HL & D CORP - Mortgage Brokers | 86/100 | 5.0 ★ | 152 |
| 8 | Scott Kagi, Mortgage Lender | 77/100 | 5.0 ★ | 32 |
| 9 | A Better Choice Mortgage | 77/100 | 5.0 ★ | 29 |
| 10 | Liberty Mortgage Group | 75/100 | 4.8 ★ | 37 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · August 2026
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Frequently Asked Questions — Mortgage Brokers in Centennial
What does a mortgage broker do differently than going directly to a bank in Centennial?
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 Centennial?
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: August 2, 2026.
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