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10 Best FHA Lenders in Colorado Springs

This ranking highlights the 10 best FHA lenders serving Colorado Springs homebuyers and homeowners, evaluated on local market presence, product breadth, pricing reputation, and FHA-specific expertise. It is designed to help first-time buyers, repeat purchasers, and refinancing homeowners identify the most competitive and qualified FHA lending options in the Colorado Springs market. Whether you prioritize a hyper-local credit union, a community mortgage company, or a national lender with a local branch, this list provides a clear starting point for your comparison.

LoanWise Editorial Team

Isometric scene of a Colorado Springs neighborhood with homes, a mortgage office, and Pikes Peak in the background.

Colorado Springs has emerged as one of Colorado's most active residential real estate markets, driven by steady population growth, a significant military and veteran community, and sustained demand from first-time homebuyers. Median home prices in the region have risen meaningfully over the past several years, making low-down-payment financing programs — particularly FHA loans — an important tool for buyers who want to enter the market without waiting years to accumulate a large down payment.

FHA loans, backed by the Federal Housing Administration, allow qualified borrowers to purchase with as little as 3.5% down at a credit score of 580 or higher, or 10% down with scores between 500 and 579. For Colorado Springs buyers navigating a competitive market, this flexibility can be the difference between owning and renting. FHA financing is also relevant for homeowners looking to refinance into a more favorable rate or term structure through FHA streamline programs.

Choosing the right FHA lender in Colorado Springs is not simply about finding the lowest advertised rate. The quality of your lending experience depends on several intersecting factors:

  • Local market knowledge: Lenders familiar with Colorado Springs neighborhoods, appraisal dynamics, and property types can anticipate underwriting challenges before they become delays.
  • FHA product depth: Some lenders offer FHA alongside a broader government-backed menu — including VA, USDA, and renovation financing — which matters if your situation or property requires program flexibility.
  • Pricing and fee transparency: FHA loans carry mortgage insurance premiums regardless of lender, but lender fees, origination costs, and rate positioning vary meaningfully across the market.
  • Branch and advisor access: Colorado Springs borrowers benefit from lenders who have real in-market presence, not just a call-center relationship managed remotely.

This ranking was compiled based on factors including each lender's FHA specialization, Colorado Springs market presence, product breadth, customer review visibility, and available pricing or performance data. The goal is to give buyers and homeowners a well-rounded view of the most relevant FHA lending options available in the Colorado Springs market today.

#1

Ent Credit Union

Colorado-focused FHA lender with strong local pricing reputation

NMLS ID

405466

FHA Min Down Payment

3.5%

FHA Typical Credit Score

580+

Primary Market

Colorado

Ent Credit Union stands out for Colorado Springs FHA borrowers due to its strong local presence, competitive pricing reputation, and broad residential mortgage menu. It is especially attractive to first-time buyers seeking a locally grounded lender with FHA expertise and purchase/refinance support.
#2

719 Lending

Local Colorado Springs lender with visible FHA specialization

Google Rating

4.9

NMLS ID

1601989

FHA Min Down Payment

3.5%

FHA 580+ Down Payment

3.5%

FHA 500-579 Down Payment

10%

719 Lending is one of the clearest Colorado Springs-focused FHA lenders in the market, with localized marketing, direct FHA guidance, and a broad product set that also includes VA, USDA, jumbo, refinance, and investment-property financing. It is well suited to borrowers who value local access and a lender familiar with Colorado Springs housing dynamics.
#3

NBH Bank

Regional bank with strong FHA bank-lending performance

Safe Rate FHA Bank Rank

#1

Estimated Closing Cost Metric

$2,280

Pricing Metric

+0.083%

Observed Loan Count Metric

164

NBH Bank ranks highly for FHA borrowers in Colorado Springs based on local research citing strong pricing and bank-channel execution. It suits borrowers who want a depository institution with a broad mortgage platform and regional lending footprint.
4
#4

New American Funding

Direct lender with active Colorado Springs FHA presence

Colorado Springs Office Rating

4.85

Branch Manager NMLS

232051

Product Count Mentioned

5+

Primary Use Cases

Purchase and Refinance

New American Funding combines direct-lender scale with an active Colorado Springs branch presence and a broad menu that includes FHA, VA, conventional, and jumbo lending. It is attractive for borrowers wanting in-market loan officer support backed by a national mortgage platform.
5
#5

Guild Mortgage

Established mortgage lender with FHA and renovation breadth

Product Categories Mentioned

5+

Core Markets

Purchase and Refinance

Includes Renovation

Yes

Includes Jumbo

Yes

Guild Mortgage is a strong option for FHA borrowers who also want access to renovation and broad purchase-money mortgage solutions. Its national mortgage focus and local lending professionals make it relevant for Colorado Springs borrowers comparing FHA lenders with deeper product variety.
6
#6

Integrity Mortgage & Financial, Inc.

Local Colorado Springs mortgage company with broad FHA menu

Product Categories Mentioned

6+

Primary Market

Colorado Springs

Loan Types

Purchase and Refinance

Includes USDA

Yes

Integrity Mortgage & Financial, Inc. is a locally relevant Colorado Springs mortgage company offering FHA, VA, USDA, conventional, jumbo, and refinance products. It appeals to borrowers who want a community-level lender with broad agency product coverage and local market familiarity.
7
#7

Blue Spot Home Loans

Highly reviewed local lender with FHA and construction options

Review Rating

4.9

Review Count

802

Branch NMLS

2185181

Product Categories Mentioned

5+

Blue Spot Home Loans offers FHA, VA, jumbo, conventional, and new-construction financing with strong review visibility tied to its Colorado Springs branch. It is a compelling choice for borrowers seeking a local-feeling lender with broad home-finance options and strong customer feedback.
8
#8

Chase

National bank with Colorado Springs FHA advisor access

Colorado Springs Locations Referenced

4

Advisor Phone Number

(719) 232-2203

Product Categories Mentioned

5+

Includes Self-Employed Solutions

Yes

Chase provides Colorado Springs borrowers with local home lending advisor access backed by a large national mortgage and banking platform. It is attractive for borrowers who prefer a major bank relationship and may want broader financial integration alongside FHA financing.
9
#9

Flat Branch Home Loans

Full-service lender recognized for local FHA relevance

Product Categories Mentioned

6+

Includes USDA

Yes

Includes Jumbo

Yes

Core Uses

Purchase and Refinance

Flat Branch Home Loans is noted in local Colorado Springs FHA research and offers a full-service mortgage menu including FHA, VA, USDA, conventional, jumbo, and refinance products. It is a good fit for borrowers seeking a mortgage-focused lender with broad agency loan coverage.
10
#10

American Financing

Colorado-serving lender with broad FHA refinance capability

Primary Focus

Purchase and Refinance

Includes FHA

Yes

Colorado Market Relevance

Yes

Consultant Fee Model Mentioned

No upfront fees

American Financing is a recognizable residential lender for Colorado borrowers, with FHA purchase and refinance offerings and a consultative model. It is particularly relevant for borrowers comparing local Colorado-friendly service with a larger lending platform.

●Conclusion

Colorado Springs offers a meaningful range of FHA lending options — from locally embedded credit unions and community mortgage companies to regional banks and national direct lenders with in-market branches. Each category of lender carries distinct tradeoffs that are worth understanding before you submit an application.

When comparing FHA lenders in Colorado Springs, consider the following evaluation factors:

  • Interest rate and APR: Even modest differences in rate translate to meaningful savings over a 30-year FHA loan. Request loan estimates from at least two or three lenders before committing.
  • Lender fees and origination costs: FHA mortgage insurance premiums are set by HUD and are consistent across lenders, but origination fees, discount points, and closing cost structures vary. Ask for a full Loan Estimate disclosure.
  • Credit score flexibility: Most lenders on this list work with scores at or above 580, but some may have internal overlays that effectively raise the minimum. Confirm the actual floor before applying.
  • Local presence and communication style: If you prefer face-to-face guidance or same-day callback responsiveness, a locally based lender or one with an active Colorado Springs branch will generally serve you better than a high-volume national call center.
  • Product breadth beyond FHA: If there is any chance your loan scenario shifts — to a VA loan if you have military eligibility, or to a conventional loan once your equity or credit improves — working with a lender who offers those alternatives gives you more flexibility at renewal or refinance.
  • Renovation and construction options: Colorado Springs has a mix of older housing stock and new development. If the property you are considering needs work, a lender offering FHA 203(k) or new-construction financing may be a better long-term partner.

The strongest FHA lender for your situation is the one whose pricing, process, and local expertise align with your specific property, timeline, and credit profile. Use this ranking as a structured starting point, then engage two or three lenders directly to compare Loan Estimates and assess the quality of their communication. In a market like Colorado Springs, working with the right lending partner — not just the one with the most visible advertising — can meaningfully improve your path to homeownership.

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