Safe Rate Rankings

Best All Lender Mortgage Lenders in Cheyenne

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders30

Total Loans1,374

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Jonah Bank of WyomingBank	Strong	Sound	Strong	Exceptional	$3,290Fees	0.153%Below	110
2	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,466Fees	0.381%Above	316
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,217Fees	0.108%Above	167
4	Wallick & Volk, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,124Fees	0.366%Above	129
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,846Fees	0.431%Above	117
6	First Western Trust BankBank	Strong	Sound	Strong	Strong	$3,942Fees	0.136%Above	31
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,145Fees	0.358%Below	24
8	Blue Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$4,040Fees	0.678%Below	22
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,827Fees	0.306%Above	92
10	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,035Fees	0.267%Below	22
11	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$6,062Fees	0.535%Above	42
12	CENTENNIAL LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Mediocre	Strong	$3,804Fees	0.023%Below	27

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.