Kevin Kostoff

Title: Mortgage Loan Originator

NMLS# 190965

Location: Greenwood Village, CO

With over two decades of experience in the mortgage industry, Kevin is a trusted professional known for his unwavering commitment to excellence. Since 1996, he has prioritized high-quality and professional service, making each home loan transaction his top focus.

Kevin's communication skills are a standout feature, evident in his careful attention to every step of the process. Clients appreciate his genuine interest in their homeownership journey, whether they come through referrals or community connections.

His impressive credentials include being a Top Mortgage Loan Officer (Scotsman Guide), a Certified Veteran Loan Specialist, and a Certified Mortgage Advisor. Kevin is also recognized as a Certified Mortgage Lender by the Colorado Mortgage Lenders Association and has earned a spot on the 5280 5-Star Wealth Manager list each year for over a decade.

Beyond his professional accomplishments, Kevin has actively contributed to his community as a Board Member for various organizations, including the Littleton Public Schools Foundation, the Arapahoe Community College Foundation, and The Rotary Club of Littleton. He served as the Finance Committee Chair for Littleton United Methodist Church and is an Affiliate Member of the South Metro Denver Realtors Association recently completing their Leadership Program.

Kevin's dedication has earned him a spot in the President's Club for an impressive 21 years. For him, each home loan transaction goes beyond business—it marks the start of a lifelong friendship, celebrated with in-person meetings and thoughtful closings.

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
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Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

4.8 Star Rating
Very efficient

Mark W

CO

Mar 29, 2026

4.7 Star Rating
He was very helpful and responded back to me quickly when I had questions.

Christine B

CO

Mar 01, 2026

5 Star Rating
So easy and smooth to work with

Sean M

CO

Feb 12, 2026

5 Star Rating
Kevin is extremely knowledgeable and just a fantastic loan officer to work with. He gives it his all, including was responsive while on vacation - which we really appreciated in our purchase process. 10 out of 10 recommend.

John S

CO

Dec 09, 2025

5 Star Rating
Kevin and his team are extremely knowledgeable and ready to support wherever needed. Explained each step and kept us updated throughout the process. Highly recommend!

David A

CO

Sep 19, 2025