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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Reno
Updated February 5, 2026
Market Overview
80
Total Lenders
5,965
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $707 | -0.454% | 25 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,220 | +0.155% | 551 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,575 | +0.023% | 112 | |
4 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $2,645 | -0.042% | 91 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $318 | -0.576% | 44 | |
6 | NBKC BANK | Strong | Exceptional | Sound | Sound | $284 | -0.003% | 20 | |
7 | GREATER NEVADA LLC | Strong | Sound | Strong | Exceptional | $2,149 | -0.428% | 102 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,970 | -0.008% | 78 | |
9 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,248 | -0.178% | 53 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Sound | $900 | -0.031% | 37 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,889 | +0.520% | 776 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,571 | +0.117% | 458 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,079 | +0.035% | 125 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,104 | +0.203% | 96 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,457 | +0.127% | 82 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,420 | -0.176% | 59 | |
17 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $2,813 | -0.115% | 27 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,309 | +0.531% | 286 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,282 | +0.321% | 121 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,038 | +0.082% | 81 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,049 | +0.357% | 68 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $402 | +0.064% | 34 | |
23 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $5,340 | +0.317% | 89 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,454 | +0.240% | 75 | |
25 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,174 | +0.150% | 51 | |
26 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $4,495 | +0.536% | 47 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,939 | +0.951% | 38 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,698 | -0.031% | 33 | |
29 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | $5,428 | +0.278% | 31 | |
30 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $3,384 | +0.361% | 28 | |
31 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,725 | -0.556% | 27 | |
32 | BMO Bank National Association | Strong | Sound | Sound | Sound | $14 | +0.258% | 22 | |
33 | INFINITY EQUITY GROUP, INC. | Sound | Mediocre | Strong | Exceptional | $3,675 | +0.560% | 102 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,601 | +0.397% | 101 | |
35 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,177 | +0.666% | 99 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | $4,598 | +0.308% | 49 | |
37 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,542 | +0.390% | 45 | |
38 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,711 | +0.135% | 43 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $5,822 | +0.531% | 41 | |
40 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,445 | +0.149% | 37 | |
41 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $1,850 | +0.199% | 25 | |
42 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | $5,590 | +0.476% | 84 | |
43 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Strong | Strong | $5,245 | +0.576% | 67 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,368 | +0.328% | 25 | |
45 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,366 | +0.382% | 24 | |
46 | TJC Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $4,490 | +0.289% | 75 | |
47 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $3,452 | +0.162% | 34 | |
48 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $3,779 | +0.505% | 30 | |
49 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Sound | $5,688 | +0.350% | 22 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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