Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Reno

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders80

Total Loans5,965

Median Rate Spread0.22%

Reno Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional mortgage company in Reno, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Reno, Greater Nevada and Loandepotcom scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Reno, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Reno: Rocket Mortgage (#2) and Guild Mortgage Company (#3).

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Overall Rankings

All lenders in Reno

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,220Fees	0.155%Above	551
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,571Fees	0.117%Above	458
3	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,889Fees	0.520%Above	776
4	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,309Fees	0.531%Above	286
5	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,104Fees	0.203%Above	96
6	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,282Fees	0.321%Above	121
7	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,038Fees	0.082%Above	81
8	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,049Fees	0.357%Above	68
9	GREATER NEVADA LLC Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	Exceptional	$2,149Fees	0.428%Below	102
10	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$3,079Fees	0.035%Above	125
11	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,445Fees	0.149%Above	37
12	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,813Fees	0.115%Below	27
13	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$402Fees	0.064%Above	34
14	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,698Fees	0.031%Below	33
15	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$4,601Fees	0.397%Above	101
16	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,453Fees	0.218%Above	18
17	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$6,177Fees	0.666%Above	99
18	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,939Fees	0.951%Above	38
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,053Fees	0.317%Above	19
20	MLD MORTGAGE INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Sound	$2,978Fees	0.228%Above	14
21	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$5,340Fees	0.317%Above	89
22	INFINITY EQUITY GROUP, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Exceptional	$3,675Fees	0.560%Above	102
23	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$4,454Fees	0.240%Above	75
24	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,598Fees	0.308%Above	49
25	MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$3,542Fees	0.390%Above	45
26	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$5,822Fees	0.531%Above	41
27	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$1,850Fees	0.199%Above	25
28	PREMIER MORTGAGE RESOURCES, L.L.C. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$3,452Fees	0.162%Above	34
29	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$3,384Fees	0.361%Above	28
30	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$5,368Fees	0.328%Above	25
31	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$2,366Fees	0.382%Above	24
32	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$3,420Fees	0.176%Below	59
33	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,711Fees	0.135%Above	43
34	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$3,725Fees	0.556%Below	27
35	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,411Fees	0.194%Above	13
36	AXIA FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Strong	$5,590Fees	0.476%Above	84
37	PEAK RESIDENTIAL LENDING INC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$5,428Fees	0.278%Above	31
38	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$3,779Fees	0.505%Above	30
39	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,598Fees	0.763%Above	15
40	TJC Mortgage, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Strong	$4,490Fees	0.289%Above	75
41	ISERVE RESIDENTIAL LENDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Sound	Strong	$5,245Fees	0.576%Above	67
42	OCMBC, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Sound	$3,958Fees	0.523%Above	14
43	Cornerstone First Mortgage, Inc Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$5,688Fees	0.350%Above	22
44	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Strong	Acceptable	Sound	$4,170Fees	0.505%Above	16
45	HOMEXPRESS MORTGAGE CORP. Independent Mortgage CompanyWholesale	Acceptable	Mediocre*	Strong	Acceptable	Sound	$5,535Fees	1.235%Above	15

❓ Frequently Asked Questions

How are mortgage lenders ranked in Reno, NV?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Reno, NV), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Reno, NV?+

Based on 2024 HMDA data, 80 lenders originated a combined 5,965 loans in Reno, NV. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Reno, NV?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Reno, NV is 0.22%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Reno, NV's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.