# Best VA Mortgage Lenders in Cheyenne, WY

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

Compare the top VA mortgage lenders in Cheyenne, WY. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 77 | 86 | 110 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 64 | 83 | 24 | Independent Mortgage Company |
| 3 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 316 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 167 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 18 | Independent Mortgage Company |
| 6 | KIND LENDING, LLC | 79 | 64 | 67 | 11 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 11 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 11 | Credit Union |
| 9 | Wallick & Volk, Inc. | 75 | 27 | 86 | 129 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 117 | Independent Mortgage Company |
| 11 | First Western Trust Bank | 74 | 54 | 67 | 31 | Bank |
| 12 | USAA Federal Savings Bank | 73 | 62 | 58 | 22 | Bank |
| 13 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 11 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 92 | Independent Mortgage Company |
| 15 | Mortgage Research Center, LLC | 71 | 34 | 61 | 55 | Independent Mortgage Company |
| 16 | LoanUnited.com, LLC | 68 | 47 | 53 | 14 | Independent Mortgage Company |
| 17 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 10 | 79 | 42 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.