# Best Mortgage Lenders in Cheyenne, WY

**As of:** 2026-05-26

Compare the top mortgage lenders in Cheyenne, WY. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/cheyenne-wy/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 30
- **Total Loans:** 1,374
- **Median Rate Spread:** 0.11141379310344827%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Jonah Bank of Wyoming | 78 | 44 | 79 | 110 | Bank |
| 2 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 316 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 167 | Independent Mortgage Company |
| 4 | Wallick & Volk, Inc. | 74 | 22 | 89 | 129 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 117 | Independent Mortgage Company |
| 6 | First Western Trust Bank | 73 | 60 | 77 | 31 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 24 | Independent Mortgage Company |
| 8 | Blue Federal Credit Union | 66 | 43 | 45 | 22 | Credit Union |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 92 | Independent Mortgage Company |
| 10 | Mortgage Research Center, LLC | 63 | 34 | 70 | 55 | Independent Mortgage Company |
| 11 | USAA Federal Savings Bank | 60 | 54 | 45 | 22 | Bank |
| 12 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 42 | Independent Mortgage Company |
| 13 | CENTENNIAL LENDING, LLC | 40 | 37 | 19 | 27 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Cheyenne, WY.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.