Licensed · Highlands Ranch
Licensed & Insured Mortgage Brokers in Highlands Ranch, CO
Every mortgage brokers listed here carries proper licensing and insurance in CO. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 12 mortgage brokers in Highlands Ranch, CO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968 with a 5.0-star rating from 139 Google reviews and an RNM Score of 97/100. Also in the top tier: Jennifer Thompson - Guild Mortgage and Tim Oddo - Reverse Mortgage Branch Manager with Simple Reverse, a DIVISION of Luminate Bank. The average rating across all listed mortgage brokers in Highlands Ranch is 5 stars from 70 reviews per business on average.
Mortgage brokers in Highlands Ranch: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968
This team stands out as the top-ranked mortgage broker in Highlands Ranch by combining high customer satisfaction with a collaborative, personalized approach.
Most Reviewed
That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968
A high review count signals trust and reliability, as many past clients have taken the time to share their positive experiences.
When choosing a mortgage broker in Highlands Ranch, compare not only interest rates but also broker responsiveness and local expertise, as these can significantly impact your home-buying experience.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
70
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Highlands Ranch mortgage broker with a perfect 5.0★ rating from 139 reviews.
8375 Willow St # 300, Lone Tree, CO 80124, USAKnown for exceptional 5.0-star service based on hundreds of Google reviews.
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USAA 5.0-star rated mortgage broker with over 130 glowing Google reviews in Highlands Ranch.
300 Plaza Dr #205, Highlands Ranch, CO 80129, USAMortgage Brokers Rankings in Highlands Ranch, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#5659688375 Willow St # 300, Lone Tree, CO 80124, USA | 5.0★ | 139 |
| #2 | Jennifer Thompson - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 139 |
| #3 | Tim Oddo - Reverse Mortgage Branch Manager with Simple Reverse, a DIVISION of Luminate Bank300 Plaza Dr #205, Highlands Ranch, CO 80129, USA | 5.0★ | 133 |
| #4 | Lana Barrett8822 Ridgeline Blvd # 405, Highlands Ranch, CO 80129, USA | 5.0★ | 28 |
| #5 | Oddo Group - a division of Luminate Bank300 Plaza Dr #205, Littleton, CO 80129, USA | 4.9★ | 119 |
| #6 | Rick Koble - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 35 |
| #7 | Chris McCormick Mortgage Broker NMLS 6298992578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA | 5.0★ | 13 |
| #8 | Highlands Ranch Mortgage673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA | 5.0★ | 2 |
| #9 | Guild Mortgage - Jimmy Kinley640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 111 |
| #10 | Kevin Greene | Highlands Mortgage400 Inverness Pkwy #100, Englewood, CO 80112, USA | 5.0★ | 51 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Highlands Ranch
Rated 5.0 stars from 28 Google reviews in Highlands Ranch.
8822 Ridgeline Blvd # 405, Highlands Ranch, CO 80129, USA
Trusted by clients with a 4.9-star rating from over 100 reviews.
300 Plaza Dr #205, Littleton, CO 80129, USA
5.0 stars from 35 reviews, reflecting exceptional client satisfaction in Highlands Ranch.
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
5.0 stars from 13 Google reviews, reflecting exceptional client satisfaction.
2578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA
Exceptional 5.0-star rating from 2 Google reviews for this Highlands Ranch mortgage broker.
673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA
Top-rated Highlands Ranch mortgage broker with 5.0 stars from 111 reviews.
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
Consistently earns a perfect 5.0-star rating from over 50 reviews.
400 Inverness Pkwy #100, Englewood, CO 80112, USA
5.0 stars from 21 reviews, reflecting exceptional client satisfaction.
7950 S Lincoln St # 115, Littleton, CO 80122, USA
5.0 stars from 48 reviews, reflecting exceptional client satisfaction.
2 W Dry Creek Cir Suite 100, Littleton, CO 80120, USA
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Mortgage Brokers in Highlands Ranch, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968 | 97/100 | 5.0 ★ | 139 |
| 2 | Jennifer Thompson - Guild Mortgage | 97/100 | 5.0 ★ | 139 |
| 3 | Tim Oddo - Reverse Mortgage Branch Manager with Simple Reverse, a DIVISION of Luminate Bank | 97/100 | 5.0 ★ | 133 |
| 4 | Lana Barrett | 77/100 | 5.0 ★ | 28 |
| 5 | Oddo Group - a division of Luminate Bank | 86/100 | 4.9 ★ | 119 |
| 6 | Rick Koble - Guild Mortgage | 89/100 | 5.0 ★ | 35 |
| 7 | Chris McCormick Mortgage Broker NMLS 629899 | 84/100 | 5.0 ★ | 13 |
| 8 | Highlands Ranch Mortgage | 76/100 | 5.0 ★ | 2 |
| 9 | Guild Mortgage - Jimmy Kinley | 96/100 | 5.0 ★ | 111 |
| 10 | Kevin Greene | Highlands Mortgage | 91/100 | 5.0 ★ | 51 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Highlands Ranch
What does a mortgage broker do differently than going directly to a bank in Highlands Ranch?
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 Highlands Ranch?
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: July 4, 2026.
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