Top Picks · Highlands Ranch
Best Mortgage Brokers in Highlands Ranch, CO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Highlands Ranch, CO by verified customer ratings and review volume. The highest-rated is That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968 with a 5.0-star rating from 139 verified reviews. 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 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
That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968
8375 Willow St # 300, Lone Tree, CO 80124, USA
Jennifer Thompson - Guild Mortgage
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, 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 | 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 | Oddo Group - a division of Luminate Bank300 Plaza Dr #205, Littleton, CO 80129, USA | 4.9★ | 119 |
| #5 | Highlands Ranch Mortgage673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA | 5.0★ | 2 |
| #6 | Chris McCormick Mortgage Broker NMLS 6298992578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA | 5.0★ | 13 |
| #7 | Rick Koble - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 35 |
| #8 | Guild Mortgage - Jimmy Kinley640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 111 |
| #9 | Lana Barrett8822 Ridgeline Blvd # 405, Highlands Ranch, CO 80129, USA | 5.0★ | 28 |
| #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 May 2026
All Mortgage Brokers in Highlands Ranch
Oddo Group - a division of Luminate Bank
300 Plaza Dr #205, Littleton, CO 80129, USA
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
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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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