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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Grand Junction
Updated February 5, 2026
Market Overview
46
Total Lenders
1,961
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $694 | -0.183% | 13 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,884 | +0.444% | 297 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $857 | +0.006% | 29 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725 | -0.005% | 245 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,772 | +0.153% | 146 | |
6 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.404% | 33 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $3,387 | -0.011% | 19 | |
8 | Oakstar Bank | Strong | Strong | Strong | Strong | Sound | $935 | +0.293% | 12 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,188 | +0.396% | 214 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,569 | +0.547% | 148 | |
11 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,413 | +0.257% | 60 | |
12 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | -$98 | -0.080% | 30 | |
13 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $2,827 | +0.446% | 27 | |
14 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,647 | +0.185% | 27 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,933 | +0.320% | 19 | |
16 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Sound | $2,070 | +0.232% | 17 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,668 | +0.014% | 14 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,271 | -0.120% | 12 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,945 | +0.149% | 12 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,081 | +0.502% | 58 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,381 | +0.560% | 58 | |
22 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,131 | +0.308% | 38 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,920 | -0.262% | 19 | |
24 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,481 | +0.405% | 32 | |
25 | Alpine Bank | Strong | Sound | Sound | Sound | Strong | $1,812 | -0.018% | 29 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,760 | +0.161% | 25 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,904 | +0.579% | 20 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $1,803 | -0.370% | 20 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,490 | +0.356% | 19 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,061 | +0.521% | 18 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,337 | +0.412% | 13 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,402 | +0.706% | 30 | |
33 | Bank of Colorado | Strong | Acceptable | Strong | Sound | Strong | $3,929 | +0.026% | 27 | |
34 | GROUP MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $5,614 | +0.253% | 14 | |
35 | CANVAS CREDIT UNION | Strong | Sound | Sound | Sound | Sound | $913 | +0.371% | 14 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,967 | +0.113% | 10 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,483 | +0.082% | 10 | |
38 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $4,363 | +0.435% | 14 | |
39 | CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | Sound | Sound | Acceptable | Acceptable | Sound | $2,867 | +0.473% | 10 | |
40 | Loan Simple, Inc. | Sound | Mediocre | Sound | Acceptable | Sound | $2,168 | +0.418% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Grand Junction, COConventional
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