Safe Rate Rankings

Best Mortgage Lenders in Grand Junction

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders46

Total Loans1,961

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,884Fees	0.444%Above	297
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,725Fees	0.005%Below	245
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$857Fees	0.006%Above	29
4	Alpine BankBank	Strong	Strong	Sound	Strong	$1,812Fees	0.018%Below	29
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,188Fees	0.396%Above	214
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,569Fees	0.547%Above	148
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,772Fees	0.153%Above	146
8	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,078Fees	0.404%Above	33
9	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Sound	$98Credit	0.080%Below	30
10	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,413Fees	0.257%Above	60
11	The Central Trust BankBank	Strong	Sound	Strong	Sound	$2,827Fees	0.446%Above	27
12	Northpointe BankBank	Strong	Sound	Strong	Sound	$3,647Fees	0.185%Above	27
13	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,803Fees	0.370%Below	20
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,381Fees	0.560%Above	58
15	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,131Fees	0.308%Above	38
16	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,481Fees	0.405%Above	32
17	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,302Fees	0.191%Below	29
18	Bank of ColoradoBank	Sound	Acceptable	Sound	Strong	$3,929Fees	0.026%Above	27
19	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,760Fees	0.161%Above	25
20	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,904Fees	0.579%Above	20
21	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,081Fees	0.502%Above	58
22	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,402Fees	0.706%Above	30

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.