Local Pros · Highlands Ranch
Local Mortgage Brokers in Highlands Ranch, CO
Locally owned and operated mortgage brokers serving Highlands Ranch and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Highlands Ranch, CO by verified customer ratings and review volume. The highest-rated is Jennifer Thompson - Guild Mortgage with a 5.0-star rating from 139 verified reviews. Also in the top tier: That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
70
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Jennifer Thompson - Guild Mortgage
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968
8375 Willow St # 300, Lone Tree, CO 80124, USA
Tim Oddo - Reverse Mortgage Branch Manager with Simple Reverse, a DIVISION of Luminate Bank
300 Plaza Dr #205, Highlands Ranch, CO 80129, USA
Mortgage Brokers Rankings in Highlands Ranch, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jennifer Thompson - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 139 |
| #2 | That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#5659688375 Willow St # 300, Lone Tree, CO 80124, 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 | Highlands Ranch Mortgage673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA | 5.0★ | 2 |
| #5 | Chris McCormick Mortgage Broker NMLS 6298992578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA | 5.0★ | 13 |
| #6 | Rick Koble - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 35 |
| #7 | Guild Mortgage - Jimmy Kinley640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 111 |
| #8 | Lana Barrett8822 Ridgeline Blvd # 405, Highlands Ranch, CO 80129, USA | 5.0★ | 28 |
| #9 | Kevin Greene | Highlands Mortgage400 Inverness Pkwy #100, Englewood, CO 80112, USA | 5.0★ | 51 |
| #10 | US Mortgage Wholesale Inc Mortgage Lender2 W Dry Creek Cir Suite 100, Littleton, CO 80120, USA | 5.0★ | 48 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Highlands Ranch
Highlands Ranch Mortgage
673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA
Chris McCormick Mortgage Broker NMLS 629899
2578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA
Rick Koble - Guild Mortgage
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
Guild Mortgage - Jimmy Kinley
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
Lana Barrett
8822 Ridgeline Blvd # 405, Highlands Ranch, CO 80129, USA
Kevin Greene | Highlands Mortgage
400 Inverness Pkwy #100, Englewood, CO 80112, USA
US Mortgage Wholesale Inc Mortgage Lender
2 W Dry Creek Cir Suite 100, Littleton, CO 80120, USA
Colorado One Mortgage
7950 S Lincoln St # 115, Littleton, CO 80122, USA
Oddo Group - a division of Luminate Bank
300 Plaza Dr #205, Littleton, CO 80129, USA
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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: May 17, 2026.
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