Best Value · Centennial
Affordable Mortgage Brokers in Centennial, CO
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Centennial, CO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Vince Reece | Colorado Mortgage Guy with a 5.0-star rating from 34 Google reviews and an RNM Score of 89/100. Also in the top tier: Excel Financial Mortgage Brokers and NEO Home Loans. The average rating across all listed mortgage brokers in Centennial is 5 stars from 118 reviews per business on average.
Mortgage brokers in Centennial: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
NEO Home Loans
NEO Home Loans consistently earns top marks for its streamlined digital process, local expertise, and exceptional customer service in Centennial.
Most Reviewed
Trusted American Mortgage, LLC
A high volume of reviews indicates broad market experience and a track record of satisfying many clients in the area.
When choosing a mortgage broker in Centennial, compare loan options, closing costs, and responsiveness. A local broker may provide more personalized guidance, but always verify their licensing and read recent reviews.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
118
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 34 Google reviews, this Centennial broker is highly trusted.
10952 S Pikes Peak Dr, Parker, CO 80138, USAEarns a stellar 4.9-star rating from 38 local client reviews.
3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USACentennial mortgage broker with a perfect 5.0★ rating from over 330 reviews.
9200 E Mineral Ave #100, Centennial, CO 80112, USAMortgage Brokers Rankings in Centennial, CO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Vince Reece | Colorado Mortgage Guy10952 S Pikes Peak Dr, Parker, CO 80138, USA | 5.0★ | 34 |
| #2 | Excel Financial Mortgage Brokers3939 E Arapahoe Rd STE 214, Centennial, CO 80122, USA | 4.9★ | 38 |
| #3 | NEO Home Loans9200 E Mineral Ave #100, Centennial, CO 80112, USA | 5.0★ | 336 |
| #4 | Colorado Lending Inc.6851 S Holly Cir STE 280, Centennial, CO 80112, USA | 5.0★ | 45 |
| #5 | Colorado Real Estate Finance Group6075 S Quebec St #100, Englewood, CO 80111, USA | 4.9★ | 237 |
| #6 | Guild Mortgage - Rebecca Hansen6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA | 5.0★ | 182 |
| #7 | HL & D CORP - Mortgage Brokers5921 S Akron Way, Greenwood Village, CO 80111, USA | 5.0★ | 152 |
| #8 | A Better Choice Mortgage7698 S Locust St, Centennial, CO 80112, USA | 5.0★ | 29 |
| #9 | Scott Kagi, Mortgage Lender1587 McMurdo Trail, Castle Rock, CO 80108, USA | 5.0★ | 32 |
| #10 | Liberty Mortgage Group7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA | 4.8★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Centennial
Centennial mortgage broker with a perfect 5.0-star rating from 45 reviews.
6851 S Holly Cir STE 280, Centennial, CO 80112, USA
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
6075 S Quebec St #100, Englewood, CO 80111, USA
Consistently earns a perfect 5.0-star rating from hundreds of local reviews.
6465 Greenwood Plaza Blvd Suite 100, Centennial, CO 80111, USA
Top-rated mortgage broker in Centennial with 5.0 stars from over 150 reviews.
5921 S Akron Way, Greenwood Village, CO 80111, USA
Top-rated Centennial mortgage broker with a perfect 5.0★ score from 29 glowing reviews.
7698 S Locust St, Centennial, CO 80112, USA
5.0-star rating from 32 reviews, reflecting exceptional client satisfaction in Centennial.
1587 McMurdo Trail, Castle Rock, CO 80108, USA
Highly rated local mortgage broker with 4.8 stars from 37 reviews.
7600 E Arapahoe Rd Ste 303, Centennial, CO 80112, USA
Trusted by hundreds of local clients with a 4.9-star rating.
9000 E Nichols Ave Ste 225B, Centennial, CO 80112, USA
5.0 stars from over 230 Google reviews for a trusted local mortgage broker.
6767 S Spruce St Unit 295, Centennial, CO 80112, USA
Top-rated Centennial mortgage broker with a perfect 5.0-star rating from over 200 reviews.
7343 S Alton Way STE 150, Centennial, CO 80112, USA
Centennial mortgage broker with a flawless 5.0-star rating from over 150 reviews.
9250 E Costilla Ave, Greenwood Village, CO 80112, USA
Top-rated Centennial mortgage broker with dozens of exceptional client reviews.
6300 S Syracuse Way #155, Centennial, CO 80111, USA
Trusted by dozens of local clients with a near-perfect 4.9-star rating.
6436 S Racine Cir Suite 114, Centennial, CO 80111, USA
Trusted by 23 clients with a perfect 5.0-star rating in Centennial.
7958 S Chester St, Centennial, CO 80112, USA
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Mortgage Brokers in Centennial, CO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Vince Reece | Colorado Mortgage Guy | 89/100 | 5.0 ★ | 34 |
| 2 | Excel Financial Mortgage Brokers | 88/100 | 4.9 ★ | 38 |
| 3 | NEO Home Loans | 88/100 | 5.0 ★ | 336 |
| 4 | Colorado Lending Inc. | 79/100 | 5.0 ★ | 45 |
| 5 | Colorado Real Estate Finance Group | 86/100 | 4.9 ★ | 237 |
| 6 | Guild Mortgage - Rebecca Hansen | 87/100 | 5.0 ★ | 182 |
| 7 | HL & D CORP - Mortgage Brokers | 86/100 | 5.0 ★ | 152 |
| 8 | A Better Choice Mortgage | 77/100 | 5.0 ★ | 29 |
| 9 | Scott Kagi, Mortgage Lender | 77/100 | 5.0 ★ | 32 |
| 10 | Liberty Mortgage Group | 75/100 | 4.8 ★ | 37 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Centennial
What does a mortgage broker do differently than going directly to a bank in Centennial?
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 Centennial?
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: July 5, 2026.
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