Same Day · Highlands Ranch
Same-Day Mortgage Brokers in Highlands Ranch, CO
Can't wait a week? These mortgage brokers in Highlands Ranch offer same-day or next-day appointments. Call now to check availability.
As of June 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 Jennifer Thompson - Guild Mortgage with a 5.0-star rating from 139 Google reviews and an RNM Score of 97/100. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Highlands Ranch, CO is home to a variety of mortgage brokers who can assist consumers with home financing. These professionals can help navigate the mortgage process, compare loan options, and secure competitive rates and terms.
- ✓Mortgage brokers in Highlands Ranch can provide personalized guidance through the home buying process
- ✓Consumers can work with local brokers to compare loan programs and find the best fit for their financial situation
- ✓Mortgage brokers have access to a wide range of lenders and loan products to meet the diverse needs of homebuyers
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.
How to Choose a Mortgage Broker in Highlands Ranch
What to look for
- • Years of experience in the Highlands Ranch mortgage market
- • Strong local industry reputation and client reviews
- • Ability to explain the mortgage process clearly and transparently
- • Access to a wide range of loan programs and lenders
Questions to ask
- • How long have you been a mortgage broker in Highlands Ranch?
- • What percentage of your clients are in the Highlands Ranch area?
- • Can you provide references from past Highlands Ranch clients?
- • What loan programs do you typically recommend for Highlands Ranch homebuyers?
Red flags
- ⚠ Unwillingness to provide licensing information or client references
- ⚠ Lack of familiarity with the Highlands Ranch real estate market
- ⚠ Pressure to use specific lenders or loan programs
In Colorado, mortgage brokers must be licensed by the Division of Real Estate. Be sure to verify a broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
70
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Known for exceptional 5.0-star service based on hundreds of Google reviews.
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USATop-rated Highlands Ranch mortgage broker with a perfect 5.0★ rating from 139 reviews.
8375 Willow St # 300, Lone Tree, CO 80124, 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 | 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 | Oddo Group - a division of Luminate Bank300 Plaza Dr #205, Littleton, CO 80129, USA | 4.9★ | 119 |
| #5 | US Mortgage Wholesale Inc Mortgage Lender2 W Dry Creek Cir Suite 100, Littleton, CO 80120, USA | 5.0★ | 48 |
| #6 | Colorado One Mortgage7950 S Lincoln St # 115, Littleton, CO 80122, USA | 5.0★ | 21 |
| #7 | Highlands Ranch Mortgage673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA | 5.0★ | 2 |
| #8 | Chris McCormick Mortgage Broker NMLS 6298992578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA | 5.0★ | 13 |
| #9 | Rick Koble - Guild Mortgage640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 35 |
| #10 | Guild Mortgage - Jimmy Kinley640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA | 5.0★ | 111 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Highlands Ranch
300 Plaza Dr #205, Littleton, CO 80129, USA
2 W Dry Creek Cir Suite 100, Littleton, CO 80120, USA
7950 S Lincoln St # 115, Littleton, CO 80122, USA
673 W Burgundy St UNIT A, Highlands Ranch, CO 80129, USA
2578 Foothills Canyon Ct, Highlands Ranch, CO 80129, USA
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129, USA
400 Inverness Pkwy #100, Englewood, CO 80112, USA
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Mortgage Brokers in Highlands Ranch, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jennifer Thompson - Guild Mortgage | 97/100 | 5.0 ★ | 139 |
| 2 | That Mortgage Couple at Xpert Home Lending NMLS#243972 and NMLS#565968 | 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 | Oddo Group - a division of Luminate Bank | 86/100 | 4.9 ★ | 119 |
| 5 | US Mortgage Wholesale Inc Mortgage Lender | 83/100 | 5.0 ★ | 48 |
| 6 | Colorado One Mortgage | 87/100 | 5.0 ★ | 21 |
| 7 | Highlands Ranch Mortgage | 76/100 | 5.0 ★ | 2 |
| 8 | Chris McCormick Mortgage Broker NMLS 629899 | 84/100 | 5.0 ★ | 13 |
| 9 | Rick Koble - Guild Mortgage | 89/100 | 5.0 ★ | 35 |
| 10 | Guild Mortgage - Jimmy Kinley | 96/100 | 5.0 ★ | 111 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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: June 9, 2026.
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