Colorado's #1 Rated Reverse Mortgage
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Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040) |
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All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041) |
Michael G. Branson
Edited by 
Cliff Auerswald
Experience Excellence with Colorado’s Top Reverse Mortgage Lender
For over 20 years, All Reverse Mortgage, Inc. (ARLO™) has helped Colorado homeowners access their home equity through HUD-approved HECM and jumbo reverse mortgages. As Colorado’s #1 Rated Reverse Mortgage Lender, we hold an A+ BBB rating with perfect 5-star reviews and zero complaints — a record that earned us recognition as a BBB Torch Award for Ethics Finalist three years running.
As a HUD-approved direct lender and proud member of the National Reverse Mortgage Lenders Association (NRMLA), we specialize exclusively in reverse mortgages — it’s all we’ve done since 2004. Colorado’s real estate market spans a wide range — from Denver metro neighborhoods and Boulder’s foothills communities to mountain resort towns like Aspen, Vail, and Steamboat Springs where home values regularly exceed the $1,249,125 HECM lending limit. That range makes it essential to work with a lender who understands both FHA-insured HECM loans and proprietary jumbo programs. Our team introduced the first fixed-rate jumbo reverse mortgage in 2008, and our experienced originators can walk you through the benefits and considerations of each option so you can make an informed decision.
Whether your goal is to eliminate monthly mortgage payments, create a financial safety net with a growing line of credit, or access equity for retirement planning, we’re here to help you choose the right program with competitive rates and lower costs. Let us show you the difference two decades of dedicated experience can make.
Colorado Reverse Mortgage Facts (2026 Update)
| State | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Colorado | Avg. Home Value |
|---|---|---|---|---|
| Colorado | 880,000 | 1,201 | 48 | $594,100 |
Top Reverse Mortgage Cities in Colorado
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Mo. | Active Lenders | Avg. Home Value |
|---|---|---|---|---|
| Arvada | 13,214 | 19 | 7 | $601,842 |
| Aurora | 24,873 | 41 | 11 | $494,218 |
| Broomfield | 7,611 | 14 | 6 | $642,905 |
| Centennial | 10,984 | 18 | 7 | $726,311 |
| Colorado Springs | 47,902 | 76 | 14 | $468,774 |
| Denver | 61,437 | 98 | 15 | $524,675 |
| Fort Collins | 18,224 | 29 | 9 | $574,208 |
| Greeley | 12,319 | 21 | 7 | $418,093 |
| Littleton | 11,506 | 20 | 7 | $676,442 |
| Longmont | 17,084 | 27 | 8 | $565,117 |
| Loveland | 15,942 | 24 | 8 | $532,884 |
| Parker | 7,318 | 12 | 6 | $723,490 |
| Pueblo | 18,774 | 31 | 9 | $279,416 |
| Thornton | 13,406 | 22 | 7 | $514,239 |
| Westminster | 12,887 | 21 | 7 | $592,118 |
How this data was derived: Reverse mortgage counts reflect FHA-insured HECM loans endorsed over a rolling 12-month period (Dec 2024–Nov 2025) using HUD HECM Snapshot data. Active lenders represent unique FHA sponsor numbers with at least one endorsed loan during this period. Estimated homeowners age 62+ are based on U.S. Census ACS 5-year owner-occupied households age 65+ as a conservative proxy. Home values are sourced from Zillow’s Home Value Index (latest available).
Top 20 Reverse Mortgage Lenders in Colorado
| Lender | BBB Rating | Accredited | Years in Business | Customer Rating (0–5) | % Positive Reviews | Complaints | Source |
|---|---|---|---|---|---|---|---|
| All Reverse Mortgage, Inc. (ARLO) | A+ | YES | 21 | 4.94/5 | 99.0% | 0 | Source |
| American Pacific Mortgage | F | NO | 28 | 1.75/5 | 35.0% | 6 | Source |
| CrossCountry Mortgage, LLC. | F | YES | 22 | 1.43/5 | 29.0% | 303 | Source |
| Fairway Independent Mortgage | A+ | YES | 29 | 4.51/5 | 90.0% | 26 | Source |
| Finance of America Reverse LLC (FAR) | A+ | YES | 22 | 3.71/5 | 74.0% | 36 | Source |
| Goodlife Home Loans | A+ | YES | 13 | N/A (Not enough reviews) | N/A (Not enough reviews) | 1 | Source |
| Guaranteed Rate | A+ | YES | 26 | 2.25/5 | 450% | 45 | Source |
| Guild Mortgage Company LLC | A+ | NO | 65 | 1.55/5 | 31.0% | 73 | Source |
| HighTechLending Inc | A+ | YES | 19 | 4.94/5 | 99.0% | 1 | Source |
| Liberty Home Equity Solutions Inc. | A+ | NO | 22 | 1.00/5 | 20.0% | 1 | Source |
| Longbridge Financial LLC | A+ | YES | 13 | 3.77/5 | 75.0% | 34 | Source |
| Luminate Bank | NR | NO | 84 | NA | NA | NA | Source |
| MCM Holdings | A+ | YES | 27 | NA | NA | NA | Source |
| The Money House | NR | NO | 28 | NA | NA | 0 | Source |
| Movement Mortgage, LLC | A+ | NO | 18 | 4.43/5 | 89.0% | 92 | Source |
| Mutual of Omaha Mortgage | A+ | YES | 12 | 3.31/5 | 66.0% | 65 | Source |
| New American Funding | A+ | YES | 26 | 4.65/5 | 93.0% | 147 | Source |
| Plaza Home Mortgage Inc | A+ | YES | 24 | 2.67/5 | 53.0% | 6 | Source |
| Smartfi Home Loans | A+ | YES | 6 | N/A (Not enough reviews) | N/A (Not enough reviews) | 0 | Source |
| South River Mortgage, LLC | A+ | NO | 6 | 3.79/5 | 76.0% | 14 | Source |
Colorado Reverse Mortgage Lending Limits
Colorado is home to over 880,000 residents aged 62 and older, many of whom may qualify for a reverse mortgage. With a median home value of $594,100 as of January 2026, most Colorado homes fall well within the HECM reverse mortgage lending limit of $1,249,125.
Colorado, known for its stunning mountain landscapes and vibrant cities, is an ideal place to retire. Whether you prefer the alpine beauty of the Rockies, the peaceful deserts, or the lively metro areas like Denver and Colorado Springs, there’s something for everyone in the Centennial State.
For those interested in exploring the financial benefits of a reverse mortgage, All Reverse Mortgage, Inc. (ARLO™) is here to help you every step of the way. We’re ready to answer your questions and provide the support you need to make the best decision for your future.
HUD-Approved Reverse Mortgage Counseling Agencies in Colorado
| Name | Agency ID | Address | Phone | Web Site |
|---|---|---|---|---|
| BOULDER COUNTY HOUSING & HUMAN SERVICES, AKA BOULDER COUNTY PERSONAL FINANCE PROGRAM | 90468 | Boulder County HHS 515 Coffman, Longmont, Colorado, 80501 | (720) 564-2279 | bouldercounty.gov |
| CITY OF AURORA COMMUNITY DEVELOPMENT DIVISION | 81141 | 15151 E Alameda Pkwy, Aurora, Colorado, 80012-1555 | (303) 739-7900 | auroragov.org |
| DOUGLAS COUNTY HOUSING PARTNERSHIP | 84681 | 9350 Heritage Hills Circle, LONE TREE, Colorado, 80124-5518 | (303) 784-7857 | douglascountyhousingpartnership.org |
| HOUSING RESOURCES OF WESTERN COLORADO | 90441 | 524 30 Rd, Grand Junction, Colorado, 81504-4438 | (970) 773-9732 | N/A |
| HOUSING SOLUTIONS FOR THE SOUTHWEST | 80708 | 295 Girard St, Durango, Colorado, 81303-6828 | (970) 259-1086 | N/A |
| NEIGHBOR TO NEIGHBOR | 80706 | 1550 Blue Spruce Dr, Fort Collins, Colorado, 80524-2015 | (970) 484-7498 | n2n.org |
| NORTHEAST DENVER HOUSING CENTER | 80213 | 2416 E Colfax Ave, Denver, Colorado, 80206-1405 | (303) 377-3334 ext 229 | nedenverhousing.org |
Did you know? Colorado does not mandate in-person counseling. Visit our counseling page for a list of phone-based counseling agencies, and you can conduct your required counseling from the comfort of your home.
Other Areas of Interest in Colorado
Arvada Aurora Broomfield Centennial Colorado Springs Denver Fort Collins Greeley Littleton Longmont Loveland Parker Pueblo Thornton Westminster
Ready to Unlock Your Home’s Equity?
As Colorado’s #1 Rated Reverse Mortgage Lender, All Reverse Mortgage, Inc. (ARLO™) is here to provide trusted guidance, real-time rates, and expert support to help you make informed decisions.
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All Reverse Mortgage, Inc. is fully licensed by the Colorado Department of Regulatory Agencies (DORA) (License #100032569), ensuring that you receive expert guidance every step of the way.
Get Your Reverse Mortgage Quote from Colorado’s #1 Rated Reverse Mortgage Lender* or call (800) 565-1722 to speak with a licensed expert.
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