Grand Junction
Metropolitan Statistical Area · MSA Code 24300
According to CFPB HMDA 2024 application volume among tracked metros, Grand Junction ranks #236 of 418.
Mortgage lending activity in the Grand Junction metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Grand Junction Metropolitan Statistical Area (MSA code 24300) recorded 8,178 HMDA-reported mortgage applications in 2024. Lenders originated 4,342 of those and denied others at a rate of 14.4%, for an approval (origination) rate of 53.1%. The average loan amount across the MSA was $260,531 at an average note rate of 7.27%. 20 major lenders are tracked for this metro - Guild Mortgage Company, United Wholesale Mortgage, Ark-La-Tex Financial Services LLC lead by origination volume. Among the 418 metros tracked, Grand Junction ranks #93 by denial rate (the 78th percentile for approval-friendliness), and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Grand Junction denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 14.4% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $260,531 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Grand Junction
In Grand Junction, lead originator Guild Mortgage Company funded only 7.8% of 4,342 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 23.1% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Grand Junction's 14.4% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Grand Junction's 8,178 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Grand Junction's $260,531 average loan (deduped against denial and volume peers).
Lenders active in the Grand Junction metro
Guild Mortgage Company funded 340 of the 4,342 loans originated here, 7.8% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Guild Mortgage Company | 340 | 496 | $270,161 | 7.8% |
| 2 | United Wholesale Mortgage | 333 | 449 | $331,570 | 7.7% |
| 3 | Ark-La-Tex Financial Services LLC | 329 | 444 | $339,955 | 7.6% |
| 4 | Fairway Independent Mort CORP | 209 | 281 | $308,238 | 4.8% |
| 5 | Rocket Mortgage | 203 | 277 | $281,968 | 4.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Grand Junction borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Grand Junction page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.