Of the 37 mortgage lenders in Denver, CO that publish their loan programs, 30 (81%) offer conventional loans, 22 (59%) offer FHA loans and 22 (59%) offer VA loans.

Conventional loans30 of 37 (81%)

FHA loans22 of 37 (59%)

VA loans22 of 37 (59%)

First-time buyer programs22 of 37 (59%)

Jumbo loans18 of 37 (49%)

USDA loans16 of 37 (43%)

Renovation and 203(k) loans11 of 37 (30%)

Down payment assistance10 of 37 (27%)

HELOCs and home equity loans10 of 37 (27%)

Reverse mortgages8 of 37 (22%)

Construction loans6 of 37 (16%)

Physician loans5 of 37 (14%)

10
advertise 3.5% down or less, including 4 with a 0% down option (typically VA or USDA)
580
lowest advertised minimum credit score; 3 lenders accept 580 or lower
16 / 3
licensed in one state only / licensed nationwide (of 25 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 37 of 72 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in Denver

111

Mortgage Brokers

Available in Denver

View Mortgage Brokers →

Banks

Available in Denver

View Banks →

Mortgage Lenders in other Colorado cities

All 186 mortgage lenders in Colorado →

Why Choose Local Mortgage Lenders in Denver?

Local Market Expertise

Denver mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Colorado. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Denver market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage lender in Denver?

Shortlist at least three mortgage lenders in Denver, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Colorado, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage lender?

Ask about their experience in the Denver market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Denver mortgage lenders better than online lenders?

Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

Ready to Connect with Denver Mortgage Lenders?

Get matched with the perfect mortgage lender from our network of 72 local professionals

Advanced Search Browse All Mortgage Lenders