About J.D. Peck
Mortgage strategy built on full-file analysis, disciplined structure, and long-term success.
Since 1999
Mortgage lending experience over my career:
3,000+ Transactions
Personally involved (and growing)
< 0.5% Fallout Rate
49 States
Nationwide reach (excluding NY)
I specialize in qualifying and structuring loan transactions that don’t fit inside standard lender boxes.
My process starts with deep analysis, not assumptions. I review the full financial picture first, then work
through what will and will not actually succeed across different loan programs before an approval is ever issued.
Most clients who come to me have already been told no, or were given an approval elsewhere that later fell apart. In many cases, the issue isn’t the borrower. It’s the structure. I’m typically brought in to correct loan strategy, restructure deals, and resolve denials caused by rushed pre-approvals, limited product access, or incomplete upfront analysis.
I’ve been in mortgage lending since 1999 and have been personally involved in more than 3,000 transactions and counting. Over that time, my fallout rate has remained under 0.5%. Some files failed due to material borrower or property changes. A few were lessons early in my career. Those experiences are exactly why my process today
is disciplined and intentional.
The Work Before the Reset
For 13 years, I operated under a single lending platform in a combined originator and sales management capacity. My role extended well beyond origination and included structuring complex VA loans, developing and approving
marketing materials, working directly with compliance, building operating procedures, managing other
originators, and serving as a technical resource for colleagues and leadership.
During that time, I worked closely with a Colorado-based production builder serving primarily entry-level and move-up buyers, many of whom were active-duty service members and veterans. Prior to a formal joint venture and master service agreement, roughly one-sixth of my business came from the builder, with the rest generated independently across multiple states through referrals and reputation.
After the agreement was put in place, geographic reach narrowed, product offerings were limited to standard
agency programs, and operational flexibility decreased. Business volume became heavily concentrated in a single channel without corresponding growth, while expectations expanded beyond what would normally fall under a lender’s role.
Over time, it became clear those constraints were not temporary. Licensing expansion stalled, product access remained static, and the platform itself began limiting both the clients I could responsibly serve and the outcomes I expected to deliver.
The Breaking Point
The decision to leave wasn’t impulsive. It was a slow realization paired with loyalty that lasted longer than it should have.
That loyalty ended when I was expected to support misleading rate advertising tied to forward commitments I knew didn’t align with what buyers would actually receive. When asked to absorb responsibility for something
I couldn’t ethically defend, the path forward became clear.
I wasn’t willing to compromise transparency for convenience.
A Broader Platform, Done Intentionally
I moved to Paramount Residential Mortgage Group to keep doing what I do best without the limits that were
holding everything else back.
The move restored national reach and opened access to non-QM products, investor financing, builder and project
financing, and the operational control needed to build a team around disciplined loan structure rather than
production-first volume. It also allowed me to help expand VA lending knowledge company-wide with fair pricing, lower corporate margin pressure, and a stronger focus on long-term borrower outcomes.
This wasn’t about chasing more deals. It was about unlocking the ability to say yes to the right ones and no
to the wrong ones.