Safe Rate Rankings

Best Conventional Mortgage Lenders in Wyoming

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 Lenders78

Total Loans5,839

Median Rate Spread0.25%

Wyoming Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Wyoming, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Wyoming, Navy Federal Credit Union and West Gate Bank 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 Wyoming, 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 Wyoming: Rocket Mortgage (#2) and Jonah Bank of Wyoming (#8).

Explore Rankings by Type

Overall Rankings

All lenders in Wyoming

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By Institution Type

Banks Credit Unions Mortgage Companies

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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	$3,048Fees	0.087%Above	489
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,405Fees	0.263%Above	691
3	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,653Fees	0.127%Above	106
4	WEST GATE BANK BankDirect & Wholesale	Strong	Exceptional*	Exceptional	Exceptional	Sound	$2,594Fees	0.095%Below	30
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,322Fees	0.391%Above	442
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$987Fees	0.514%Below	39
7	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,006Fees	0.420%Above	403
8	Jonah Bank of Wyoming BankDirect & Wholesale	Strong	Acceptable*	Strong	Exceptional	Exceptional	$3,553Fees	0.139%Below	311
9	First Western Trust Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$2,701Fees	0.064%Above	64
10	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$5,403Fees	0.337%Above	193
11	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,996Fees	0.228%Above	139
12	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,955Fees	0.396%Above	106
13	Servion, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	$3,811Fees	0.067%Above	81
14	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,419Fees	0.179%Above	55
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,435Fees	0.341%Above	35
16	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,268Fees	0.466%Above	13
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,813Fees	0.167%Above	56
18	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,234Fees	0.159%Above	14
19	First National Bank of Omaha BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,020Fees	0.441%Above	19
20	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,064Fees	0.190%Above	44
21	Wallick & Volk, Inc. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$4,144Fees	0.438%Above	250
22	Glacier Bank BankDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,385Fees	0.162%Above	216
23	WESTERN VISTA Credit UnionDirect	Strong	Acceptable	Sound	Exceptional	Exceptional	$3,538Fees	0.015%Above	118
24	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,724Fees	0.379%Above	72
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,354Fees	0.148%Above	45
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,073Fees	0.185%Above	24
27	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$5,106Fees	0.489%Above	100
28	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,256Fees	0.212%Above	90
29	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$2,643Fees	0.259%Above	40
30	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Strong	Sound	Sound	$931Fees	0.163%Below	25
31	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$1,487Fees	0.179%Below	35
32	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,033Fees	0.559%Above	22
33	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,523Fees	0.365%Above	16
34	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Sound	$3,133Fees	0.070%Above	38
35	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,098Fees	0.431%Above	25
36	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$5,016Fees	0.361%Above	60
37	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$3,656Fees	0.362%Above	57
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,643Fees	0.658%Above	36
39	BMO Bank National Association BankDirect	Sound	Strong	Strong	Sound	Sound	$1,009Fees	0.495%Above	22
40	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,044Fees	0.258%Above	15
41	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$4,011Fees	0.005%Above	73
42	Pinnacle Bank - Wyoming BankDirect	Sound	Acceptable	Sound	Strong	Exceptional	$2,869Fees	0.098%Above	164
43	NBH Bank BankDirect	Sound	Sound	Strong	Sound	Sound	$1,444Fees	0.302%Above	23
44	Blue Federal Credit Union Credit UnionDirect & Wholesale	Sound	Sound*	Sound	Strong	Strong	$4,069Fees	0.601%Below	25
45	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$1,676Fees	0.128%Above	15
46	ANB Bank BankDirect	Sound	Sound	Sound	Sound	Strong	$237Fees	0.122%Below	45
47	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,859Fees	0.290%Above	28
48	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Strong	$1,543Fees	0.244%Below	60
49	AXIA FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Strong	$3,892Fees	0.284%Above	49
50	UNIWYO FEDERAL CREDIT UNION Credit UnionDirect	Sound	Acceptable	Sound	Sound	Exceptional	$3,739Fees	0.181%Above	82

❓ Frequently Asked Questions

How are mortgage lenders ranked in Wyoming?+

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 Wyoming), 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 Wyoming?+

Based on 2024 HMDA data, 78 lenders originated a combined 5,839 loans in Wyoming. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Wyoming?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Wyoming is 0.25%. 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 Wyoming'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.