Which mortgage lender in the Grand Junction, CO area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Grand Junction, CO area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Grand Junction, CO area in terms of interest rate is Coloramo Federal Credit Union, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Coloramo Federal Credit Union provided a -0.19% lower interest rate for its customers than other lenders in the area. Coloramo Federal Credit Union has a market share of 1.2%. On the other hand, the most popular lender in the Grand Junction, CO area is Bay Equity Home Loans, with a larger market share of 22.2%. Bay Equity Home Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.03% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Grand Junction, CO area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Grand Junction, CO is Coloramo Federal Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bay Equity Home Loans. The cheapest VA mortgage provider is Northpointe Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Grand Junction, CO
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Coloramo Federal Credit Union | -0.19% | 1.21% | |
| Alpine Bank | -0.17% | 2.67% | |
| Credit Union of Colorado | -0.14% | 0.88% | |
| Land Home Financial Services | -0.09% | 0.84% | |
| Northpointe Bank | -0.08% | 3.46% | |
| Wells Fargo Bank | -0.05% | 4.82% | |
| Gershman Mortgage | -0.04% | 0.88% | |
| Cherry Creek Mortgage | -0.04% | 1.94% | |
| Bay Equity Home Loans | -0.03% | 22.21% | |
| AmCap Home Loans | -0.03% | 3.77% | |
| loanDepot | -0.03% | 1.12% | |
| Caliber Home Loans | -0.03% | 2.09% | |
| USAA | -0.02% | 0.88% | |
| Primary Residential Mortgage Inc | -0.02% | 3.51% | |
| US Bank | -0.02% | 1.59% | |
| Fairway Independent Mortgage Corporation | -0.00% | 8.24% | |
| Universal Lending Corporation | -0.00% | 0.90% | |
| Bank of Colorado | 0.02% | 2.24% | |
| New American Funding | 0.02% | 2.91% | |
| Guild Mortgage Company | 0.02% | 5.36% | |
| Freedom Mortgage Corporation | 0.02% | 0.67% | |
| Legacy Mutual Mortgage | 0.03% | 2.09% | |
| Mortgage Solutions Financial | 0.06% | 2.32% | |
| Quicken Loans | 0.07% | 6.31% | |
| Academy Mortgage Corporation Utah | 0.10% | 17.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Alpine Bank | -0.14% | 2.59% | |
| Wells Fargo Bank | -0.13% | 5.62% | |
| US Bank | -0.10% | 1.05% | |
| Land Home Financial Services | -0.08% | 0.56% | |
| Credit Union of Colorado | -0.07% | 0.34% | |
| Cherry Creek Mortgage | -0.05% | 2.44% | |
| AmCap Home Loans | -0.05% | 4.46% | |
| Northpointe Bank | -0.04% | 3.52% | |
| Bay Equity Home Loans | -0.04% | 26.76% | |
| Primary Residential Mortgage Inc | -0.03% | 4.12% | |
| Freedom Mortgage Corporation | -0.03% | 0.04% | |
| USAA | -0.03% | 1.05% | |
| Quicken Loans | -0.02% | 1.76% | |
| Gershman Mortgage | -0.02% | 0.71% | |
| loanDepot | -0.02% | 0.11% | |
| Bank of Colorado | -0.01% | 2.47% | |
| Coloramo Federal Credit Union | -0.01% | 0.19% | |
| Universal Lending Corporation | -0.01% | 0.86% | |
| Caliber Home Loans | -0.00% | 1.27% | |
| Fairway Independent Mortgage Corporation | 0.01% | 9.41% | |
| New American Funding | 0.03% | 2.74% | |
| Guild Mortgage Company | 0.04% | 5.28% | |
| Legacy Mutual Mortgage | 0.04% | 2.25% | |
| Mortgage Solutions Financial | 0.06% | 1.76% | |
| Academy Mortgage Corporation Utah | 0.14% | 18.63% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Alpine Bank | -0.21% | 2.78% | |
| Coloramo Federal Credit Union | -0.21% | 2.58% | |
| Credit Union of Colorado | -0.16% | 1.62% | |
| Northpointe Bank | -0.14% | 3.39% | |
| Land Home Financial Services | -0.09% | 1.21% | |
| Gershman Mortgage | -0.06% | 1.11% | |
| Caliber Home Loans | -0.04% | 3.18% | |
| Fairway Independent Mortgage Corporation | -0.03% | 6.67% | |
| Bay Equity Home Loans | -0.02% | 16.07% | |
| loanDepot | -0.02% | 2.48% | |
| USAA | -0.02% | 0.66% | |
| Cherry Creek Mortgage | -0.02% | 1.26% | |
| Primary Residential Mortgage Inc | -0.01% | 2.68% | |
| AmCap Home Loans | -0.00% | 2.83% | |
| Guild Mortgage Company | 0.01% | 5.46% | |
| Universal Lending Corporation | 0.01% | 0.96% | |
| New American Funding | 0.01% | 3.13% | |
| Legacy Mutual Mortgage | 0.01% | 1.87% | |
| Freedom Mortgage Corporation | 0.03% | 1.52% | |
| US Bank | 0.04% | 2.32% | |
| Academy Mortgage Corporation Utah | 0.05% | 15.06% | |
| Bank of Colorado | 0.07% | 1.92% | |
| Mortgage Solutions Financial | 0.07% | 3.08% | |
| Quicken Loans | 0.09% | 12.43% | |
| Wells Fargo Bank | 0.09% | 3.74% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Coloramo Federal Credit Union | -0.20% | 1.85% | |
| Alpine Bank | -0.19% | 3.70% | |
| Credit Union of Colorado | -0.15% | 1.32% | |
| Northpointe Bank | -0.12% | 3.17% | |
| Land Home Financial Services | -0.10% | 1.22% | |
| Wells Fargo Bank | -0.06% | 6.77% | |
| Gershman Mortgage | -0.05% | 1.16% | |
| Cherry Creek Mortgage | -0.04% | 2.02% | |
| Primary Residential Mortgage Inc | -0.04% | 3.04% | |
| loanDepot | -0.03% | 0.96% | |
| Bay Equity Home Loans | -0.03% | 22.23% | |
| Caliber Home Loans | -0.03% | 2.02% | |
| US Bank | -0.02% | 2.02% | |
| AmCap Home Loans | -0.02% | 2.51% | |
| Universal Lending Corporation | -0.01% | 0.89% | |
| USAA | -0.00% | 0.46% | |
| Fairway Independent Mortgage Corporation | 0.02% | 6.54% | |
| Bank of Colorado | 0.03% | 2.61% | |
| Guild Mortgage Company | 0.03% | 5.81% | |
| New American Funding | 0.03% | 2.81% | |
| Legacy Mutual Mortgage | 0.04% | 1.72% | |
| Mortgage Solutions Financial | 0.05% | 1.06% | |
| Freedom Mortgage Corporation | 0.06% | 0.33% | |
| Quicken Loans | 0.09% | 7.53% | |
| Academy Mortgage Corporation Utah | 0.13% | 16.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Alpine Bank | -0.16% | 3.70% | |
| Wells Fargo Bank | -0.14% | 8.28% | |
| US Bank | -0.12% | 1.51% | |
| Northpointe Bank | -0.09% | 3.51% | |
| Land Home Financial Services | -0.09% | 0.88% | |
| Credit Union of Colorado | -0.07% | 0.56% | |
| Cherry Creek Mortgage | -0.05% | 2.57% | |
| Primary Residential Mortgage Inc | -0.04% | 3.89% | |
| Bay Equity Home Loans | -0.04% | 27.54% | |
| loanDepot | -0.02% | 0.19% | |
| AmCap Home Loans | -0.02% | 2.57% | |
| Gershman Mortgage | -0.02% | 1.07% | |
| Coloramo Federal Credit Union | -0.02% | 0.31% | |
| Universal Lending Corporation | -0.02% | 0.75% | |
| Bank of Colorado | -0.01% | 3.01% | |
| USAA | -0.01% | 0.63% | |
| Caliber Home Loans | -0.01% | 1.57% | |
| Quicken Loans | -0.01% | 2.07% | |
| Fairway Independent Mortgage Corporation | 0.03% | 7.72% | |
| New American Funding | 0.03% | 2.89% | |
| Guild Mortgage Company | 0.05% | 6.02% | |
| Mortgage Solutions Financial | 0.07% | 0.63% | |
| Legacy Mutual Mortgage | 0.08% | 1.51% | |
| Academy Mortgage Corporation Utah | 0.18% | 16.62% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Alpine Bank | -0.22% | 3.70% | |
| Coloramo Federal Credit Union | -0.21% | 3.56% | |
| Northpointe Bank | -0.16% | 2.79% | |
| Credit Union of Colorado | -0.16% | 2.16% | |
| Land Home Financial Services | -0.10% | 1.61% | |
| Gershman Mortgage | -0.07% | 1.26% | |
| Caliber Home Loans | -0.03% | 2.51% | |
| loanDepot | -0.03% | 1.81% | |
| Bay Equity Home Loans | -0.03% | 16.33% | |
| Primary Residential Mortgage Inc | -0.03% | 2.09% | |
| Cherry Creek Mortgage | -0.02% | 1.40% | |
| AmCap Home Loans | -0.02% | 2.44% | |
| Fairway Independent Mortgage Corporation | -0.01% | 5.23% | |
| Guild Mortgage Company | -0.00% | 5.58% | |
| Universal Lending Corporation | -0.00% | 1.05% | |
| Legacy Mutual Mortgage | 0.01% | 1.95% | |
| USAA | 0.01% | 0.28% | |
| New American Funding | 0.03% | 2.72% | |
| Mortgage Solutions Financial | 0.04% | 1.54% | |
| US Bank | 0.04% | 2.58% | |
| Academy Mortgage Corporation Utah | 0.06% | 15.84% | |
| Freedom Mortgage Corporation | 0.07% | 0.70% | |
| Bank of Colorado | 0.08% | 2.16% | |
| Wells Fargo Bank | 0.09% | 5.09% | |
| Quicken Loans | 0.11% | 13.61% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bay Equity Home Loans | -0.07% | 22.38% | |
| AmCap Home Loans | -0.05% | 7.27% | |
| Cherry Creek Mortgage | -0.04% | 1.93% | |
| Land Home Financial Services | -0.02% | 0.09% | |
| Quicken Loans | -0.02% | 3.96% | |
| Fairway Independent Mortgage Corporation | -0.02% | 14.64% | |
| Bank of Colorado | -0.02% | 1.20% | |
| Primary Residential Mortgage Inc | -0.01% | 4.51% | |
| Caliber Home Loans | 0.00% | 1.47% | |
| US Bank | 0.01% | 0.55% | |
| Freedom Mortgage Corporation | 0.01% | 1.10% | |
| Universal Lending Corporation | 0.02% | 0.92% | |
| Northpointe Bank | 0.02% | 3.96% | |
| Guild Mortgage Company | 0.02% | 4.79% | |
| New American Funding | 0.03% | 2.76% | |
| Legacy Mutual Mortgage | 0.03% | 3.50% | |
| loanDepot | 0.03% | 0.37% | |
| Alpine Bank | 0.04% | 0.55% | |
| Mortgage Solutions Financial | 0.07% | 4.24% | |
| Academy Mortgage Corporation Utah | 0.08% | 19.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bay Equity Home Loans | -0.08% | 24.81% | |
| AmCap Home Loans | -0.07% | 8.19% | |
| Quicken Loans | -0.06% | 1.26% | |
| Cherry Creek Mortgage | -0.05% | 2.39% | |
| Land Home Financial Services | -0.03% | 0.13% | |
| Bank of Colorado | -0.02% | 1.51% | |
| Primary Residential Mortgage Inc | -0.02% | 4.41% | |
| US Bank | -0.01% | 0.25% | |
| Fairway Independent Mortgage Corporation | -0.01% | 14.11% | |
| Universal Lending Corporation | 0.01% | 1.13% | |
| Guild Mortgage Company | 0.01% | 4.79% | |
| Legacy Mutual Mortgage | 0.02% | 3.65% | |
| Caliber Home Loans | 0.03% | 0.88% | |
| Alpine Bank | 0.03% | 0.76% | |
| Northpointe Bank | 0.04% | 4.16% | |
| New American Funding | 0.04% | 2.14% | |
| Mortgage Solutions Financial | 0.05% | 3.40% | |
| Academy Mortgage Corporation Utah | 0.10% | 22.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northpointe Bank | -0.07% | 3.42% | |
| Fairway Independent Mortgage Corporation | -0.04% | 16.10% | |
| Academy Mortgage Corporation Utah | -0.02% | 13.70% | |
| Bay Equity Home Loans | -0.02% | 15.75% | |
| Caliber Home Loans | -0.01% | 3.08% | |
| Cherry Creek Mortgage | -0.00% | 0.68% | |
| Quicken Loans | 0.00% | 11.30% | |
| New American Funding | 0.01% | 4.45% | |
| AmCap Home Loans | 0.01% | 4.79% | |
| Bank of Colorado | 0.02% | 0.34% | |
| Primary Residential Mortgage Inc | 0.02% | 4.79% | |
| Freedom Mortgage Corporation | 0.03% | 4.11% | |
| US Bank | 0.03% | 1.37% | |
| Universal Lending Corporation | 0.03% | 0.34% | |
| Legacy Mutual Mortgage | 0.04% | 3.08% | |
| loanDepot | 0.05% | 1.37% | |
| Guild Mortgage Company | 0.05% | 4.79% | |
| Mortgage Solutions Financial | 0.11% | 6.51% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 29.03% | |
| Credit Union of Colorado | -0.01% | 3.23% | |
| Caliber Home Loans | -0.00% | 6.45% | |
| US Bank | 0.00% | 12.90% | |
| Bank of Colorado | 0.00% | 3.23% | |
| Land Home Financial Services | 0.01% | 3.23% | |
| Bay Equity Home Loans | 0.01% | 12.90% | |
| Primary Residential Mortgage Inc | 0.01% | 3.23% | |
| Academy Mortgage Corporation Utah | 0.01% | 22.58% | |
| Mortgage Solutions Financial | 0.02% | 3.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 50.00% | |
| US Bank | -0.00% | 6.25% | |
| Caliber Home Loans | 0.00% | 6.25% | |
| Primary Residential Mortgage Inc | 0.02% | 6.25% | |
| Bay Equity Home Loans | 0.02% | 12.50% | |
| Academy Mortgage Corporation Utah | 0.03% | 18.75% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Credit Union of Colorado | -0.01% | 6.67% | |
| Wells Fargo Bank | -0.00% | 6.67% | |
| Caliber Home Loans | -0.00% | 6.67% | |
| Bank of Colorado | -0.00% | 6.67% | |
| US Bank | -0.00% | 20.00% | |
| Academy Mortgage Corporation Utah | -0.00% | 26.67% | |
| Bay Equity Home Loans | 0.00% | 13.33% | |
| Land Home Financial Services | 0.01% | 6.67% | |
| Mortgage Solutions Financial | 0.02% | 6.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northpointe Bank | -0.11% | 4.37% | |
| Caliber Home Loans | -0.07% | 3.58% | |
| Wells Fargo Bank | -0.07% | 1.99% | |
| Alpine Bank | -0.06% | 1.19% | |
| Gershman Mortgage | -0.05% | 1.19% | |
| Cherry Creek Mortgage | -0.05% | 1.59% | |
| loanDepot | -0.04% | 3.78% | |
| USAA | -0.04% | 5.37% | |
| Fairway Independent Mortgage Corporation | -0.04% | 5.17% | |
| Bank of Colorado | -0.03% | 2.19% | |
| New American Funding | -0.02% | 3.98% | |
| Guild Mortgage Company | -0.01% | 4.17% | |
| US Bank | -0.00% | 0.60% | |
| AmCap Home Loans | 0.00% | 3.98% | |
| Freedom Mortgage Corporation | 0.00% | 1.79% | |
| Bay Equity Home Loans | 0.01% | 22.27% | |
| Primary Residential Mortgage Inc | 0.01% | 4.17% | |
| Legacy Mutual Mortgage | 0.01% | 1.39% | |
| Universal Lending Corporation | 0.02% | 0.99% | |
| Quicken Loans | 0.05% | 4.37% | |
| Academy Mortgage Corporation Utah | 0.05% | 16.10% | |
| Mortgage Solutions Financial | 0.08% | 5.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northpointe Bank | -0.08% | 1.89% | |
| Cherry Creek Mortgage | -0.08% | 1.89% | |
| Alpine Bank | -0.07% | 1.52% | |
| Wells Fargo Bank | -0.07% | 3.79% | |
| Fairway Independent Mortgage Corporation | -0.05% | 6.06% | |
| Quicken Loans | -0.04% | 1.52% | |
| USAA | -0.04% | 6.82% | |
| Gershman Mortgage | -0.04% | 0.76% | |
| Bank of Colorado | -0.04% | 2.27% | |
| Freedom Mortgage Corporation | -0.03% | 0.38% | |
| AmCap Home Loans | -0.03% | 4.92% | |
| Guild Mortgage Company | -0.03% | 2.65% | |
| US Bank | -0.02% | 0.38% | |
| Caliber Home Loans | 0.00% | 0.38% | |
| Universal Lending Corporation | 0.00% | 0.76% | |
| Legacy Mutual Mortgage | 0.01% | 2.65% | |
| Primary Residential Mortgage Inc | 0.01% | 4.55% | |
| New American Funding | 0.01% | 3.79% | |
| Bay Equity Home Loans | 0.02% | 28.79% | |
| Academy Mortgage Corporation Utah | 0.04% | 20.45% | |
| Mortgage Solutions Financial | 0.08% | 3.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northpointe Bank | -0.11% | 7.11% | |
| Caliber Home Loans | -0.07% | 7.11% | |
| New American Funding | -0.06% | 4.18% | |
| Gershman Mortgage | -0.06% | 1.67% | |
| Alpine Bank | -0.04% | 0.84% | |
| USAA | -0.04% | 3.77% | |
| loanDepot | -0.03% | 7.95% | |
| Fairway Independent Mortgage Corporation | -0.02% | 4.18% | |
| Bank of Colorado | -0.01% | 2.09% | |
| Cherry Creek Mortgage | -0.01% | 1.26% | |
| Bay Equity Home Loans | -0.00% | 15.06% | |
| Guild Mortgage Company | 0.00% | 5.86% | |
| US Bank | 0.01% | 0.84% | |
| Freedom Mortgage Corporation | 0.01% | 3.35% | |
| Primary Residential Mortgage Inc | 0.02% | 3.77% | |
| Universal Lending Corporation | 0.03% | 1.26% | |
| AmCap Home Loans | 0.05% | 2.93% | |
| Academy Mortgage Corporation Utah | 0.06% | 11.30% | |
| Quicken Loans | 0.07% | 7.53% | |
| Mortgage Solutions Financial | 0.08% | 7.95% |
* Data is compiled for the Grand Junction, CO commuting zone area, which comprises of county of Mesa County, CO. This includes cities/towns/communities of Grand Junction, CO as well as Clifton, CO, Fruita, CO, Redlands, CO, Orchard Mesa, CO, Palisade, CO, and Collbran, CO. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Grand Junction, CO area. For mortgage lender rankings in other cities, click here.