Top Picks · Centennial
Best Mortgage Brokers in Centennial, CO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 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 NEO Home Loans with a 5.0-star rating from 336 Google reviews and an RNM Score of 88/100. Also in the top tier: Liberty Financing and The Mortgage Co.. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Centennial, CO is home to a variety of mortgage brokers who can assist consumers with securing home loans. These brokers offer services such as mortgage application assistance, rate comparisons, and guidance through the lending process.
- ✓Mortgage brokers in Centennial can help consumers find the best loan options and rates
- ✓Brokers provide personalized guidance throughout the home buying and financing process
- ✓Consumers should research multiple brokers to compare services and find the right fit for their needs
Best Overall
NEO Home Loans
NEO Home Loans consistently earns top marks for its streamlined digital process, local expertise, and exceptional customer service in Centennial.
Most Reviewed
Trusted American Mortgage, LLC
A high volume of reviews indicates broad market experience and a track record of satisfying many clients in the area.
When choosing a mortgage broker in Centennial, compare loan options, closing costs, and responsiveness. A local broker may provide more personalized guidance, but always verify their licensing and read recent reviews.
How to Choose a Mortgage Broker in Centennial
What to look for
- • Years of experience in the Centennial, CO mortgage market
- • Strong local knowledge and connections with lenders
- • Transparent fees and cost breakdowns
- • Positive reviews from past clients in Centennial
Questions to ask
- • How long have you been a mortgage broker in Centennial?
- • What types of loan programs do you typically work with for Centennial homebuyers?
- • Can you provide a detailed cost estimate for the mortgage I'm considering?
Red flags
- ⚠ Unwillingness to provide references or client testimonials
- ⚠ Vague or unclear explanation of fees and costs
- ⚠ Lack of familiarity with the Centennial, CO housing market
In Colorado, mortgage brokers must be licensed by the Division of Real Estate. Be sure to verify a broker's current license and check for any disciplinary actions.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
118
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Centennial mortgage broker with a perfect 5.0★ rating from over 330 reviews.
9200 E Mineral Ave #100, Centennial, CO 80112, USA5.0 stars from over 230 Google reviews for a trusted local mortgage broker.
6767 S Spruce St Unit 295, Centennial, CO 80112, USATop-rated Centennial mortgage broker with a perfect 5.0-star rating from over 200 reviews.
7343 S Alton Way STE 150, Centennial, CO 80112, USAMortgage Brokers Rankings in Centennial, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | NEO Home Loans9200 E Mineral Ave #100, Centennial, CO 80112, USA | 5.0★ | 336 |
| #2 | Liberty Financing6767 S Spruce St Unit 295, Centennial, CO 80112, USA | 5.0★ | 231 |
| #3 | The Mortgage Co.7343 S Alton Way STE 150, Centennial, CO 80112, USA | 5.0★ | 215 |
| #4 | Liberty Mortgage Group7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA | 4.8★ | 37 |
| #5 | Oxford Mortgage, LLC6300 S Syracuse Way #155, Centennial, CO 80111, USA | 4.9★ | 70 |
| #6 | Home Mortgage - Peoples Mortgage Company Wealth Management: Sean Stokes6436 S Racine Cir Suite 114, Centennial, CO 80111, USA | 4.9★ | 67 |
| #7 | Colorado Lending Inc.6851 S Holly Cir STE 280, Centennial, CO 80112, USA | 5.0★ | 45 |
| #8 | Trusted American Mortgage, LLC7958 S Chester St, Centennial, CO 80112, USA | 5.0★ | 23 |
| #9 | A Better Choice Mortgage7698 S Locust St, Centennial, CO 80112, USA | 5.0★ | 29 |
| #10 | Nathan Einkorn, Mortgage Broker9000 E Nichols Ave Ste 225B, Centennial, CO 80112, USA | 4.9★ | 131 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Centennial
7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA
6300 S Syracuse Way #155, Centennial, CO 80111, USA
6436 S Racine Cir Suite 114, Centennial, CO 80111, USA
6851 S Holly Cir STE 280, Centennial, CO 80112, USA
7958 S Chester St, Centennial, CO 80112, USA
9000 E Nichols Ave Ste 225B, Centennial, CO 80112, USA
9250 E Costilla Ave, Greenwood Village, CO 80112, USA
5921 S Akron Way, Greenwood Village, CO 80111, USA
6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA
6075 S Quebec St #100, Englewood, CO 80111, USA
1587 McMurdo Trail, Castle Rock, CO 80108, USA
3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USA
10952 S Pikes Peak Dr, Parker, CO 80138, USA
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Mortgage Brokers in Centennial, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | NEO Home Loans | 88/100 | 5.0 ★ | 336 |
| 2 | Liberty Financing | 88/100 | 5.0 ★ | 231 |
| 3 | The Mortgage Co. | 88/100 | 5.0 ★ | 215 |
| 4 | Liberty Mortgage Group | 75/100 | 4.8 ★ | 37 |
| 5 | Oxford Mortgage, LLC | 80/100 | 4.9 ★ | 70 |
| 6 | Home Mortgage - Peoples Mortgage Company Wealth Management: Sean Stokes | 80/100 | 4.9 ★ | 67 |
| 7 | Colorado Lending Inc. | 79/100 | 5.0 ★ | 45 |
| 8 | Trusted American Mortgage, LLC | 76/100 | 5.0 ★ | 23 |
| 9 | A Better Choice Mortgage | 77/100 | 5.0 ★ | 29 |
| 10 | Nathan Einkorn, Mortgage Broker | 83/100 | 4.9 ★ | 131 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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: June 9, 2026.
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