Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$694Fees	0.183%Below	13
2	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,884Fees	0.444%Above	297
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$857Fees	0.006%Above	29
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,725Fees	0.005%Below	245
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,772Fees	0.153%Above	146
6	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,078Fees	0.404%Above	33
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$3,387Fees	0.011%Below	19
8	Oakstar BankBank	Strong	Strong	Strong	Strong	Sound	$935Fees	0.293%Above	12
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,188Fees	0.396%Above	214
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,569Fees	0.547%Above	148
11	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,413Fees	0.257%Above	60
12	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$98Credit	0.080%Below	30
13	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,827Fees	0.446%Above	27
14	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,647Fees	0.185%Above	27
15	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,933Fees	0.320%Above	19
16	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,070Fees	0.232%Above	17
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,668Fees	0.014%Above	14
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,271Fees	0.120%Below	12
19	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,945Fees	0.149%Above	12
20	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,081Fees	0.502%Above	58
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,381Fees	0.560%Above	58
22	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,131Fees	0.308%Above	38
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,920Fees	0.262%Below	19
24	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,481Fees	0.405%Above	32
25	Alpine BankBank	Strong	Sound	Sound	Sound	Strong	$1,812Fees	0.018%Below	29
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,760Fees	0.161%Above	25
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,904Fees	0.579%Above	20
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,803Fees	0.370%Below	20
29	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,490Fees	0.356%Above	19
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,061Fees	0.521%Above	18
31	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,337Fees	0.412%Above	13
32	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,402Fees	0.706%Above	30
33	Bank of ColoradoBank	Strong	Acceptable	Strong	Sound	Strong	$3,929Fees	0.026%Above	27
34	GROUP MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$5,614Fees	0.253%Above	14
35	CANVAS CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Sound	$913Fees	0.371%Above	14
36	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,967Fees	0.113%Above	10
37	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,483Fees	0.082%Above	10
38	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,363Fees	0.435%Above	14
39	CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNIONCredit Union	Sound	Sound	Acceptable	Acceptable	Sound	$2,867Fees	0.473%Above	10
40	Loan Simple, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Sound	$2,168Fees	0.418%Above	18

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.