Safe Rate Rankings

Best Bank Mortgage Lenders in Reno

Updated February 5, 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.
Total Lenders10
Total Loans628
Median Rate Spread0.13%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Morgan Stanley Private Bank, National AssociationBank
Exceptional
Exceptional
Strong
Sound
$707Fees
0.454%Below
25
2
U.S. Bank National AssociationBank
Strong
Strong
Strong
Strong
$1,575Fees
0.023%Above
112
3
NBKC BANKBank
Strong
Exceptional
Sound
Sound
$284Fees
0.003%Below
20
4
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Strong
$1,970Fees
0.008%Below
78
5
Zions Bancorporation, N.A.Bank
Strong
Strong
Sound
Strong
$1,248Fees
0.178%Below
53
6
Bank of America, National AssociationBank
Strong
Strong
Strong
Sound
$900Fees
0.031%Below
37
7
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$2,457Fees
0.127%Above
82
8
Plains Commerce BankBank
Strong
Acceptable
Strong
Strong
$2,174Fees
0.150%Above
51
9
Gateway First BankBank
Strong
Acceptable
Strong
Strong
$4,495Fees
0.536%Above
47
10
BMO Bank National AssociationBank
Strong
Sound
Sound
Sound
$14Fees
0.258%Above
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.