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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 FHA 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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,884 | +0.444% | 297 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,725 | -0.005% | 245 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,803 | -0.370% | 20 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,569 | +0.547% | 148 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,772 | +0.153% | 146 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,188 | +0.396% | 214 | |
7 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,413 | +0.257% | 60 | |
8 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $2,827 | +0.446% | 27 | |
9 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,647 | +0.185% | 27 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,668 | +0.014% | 14 | |
11 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,131 | +0.308% | 38 | |
12 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,078 | +0.404% | 33 | |
13 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Sound | $6,317 | -0.318% | 10 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,760 | +0.161% | 25 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,933 | +0.320% | 19 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,490 | +0.356% | 19 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,081 | +0.502% | 58 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,381 | +0.560% | 58 | |
19 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,402 | +0.706% | 30 | |
20 | Loan Simple, Inc. | Sound | Mediocre | Strong | Strong | 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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