Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders80

Total Loans5,965

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,575Fees	0.023%Above	112
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$318Fees	0.576%Below	44
3	UNITED FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$2,645Fees	0.042%Below	91
4	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,970Fees	0.008%Below	78
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$900Fees	0.031%Below	37
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$707Fees	0.454%Below	25
7	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$284Fees	0.003%Below	20
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,220Fees	0.155%Above	551
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,571Fees	0.117%Above	458
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,104Fees	0.203%Above	96
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,457Fees	0.127%Above	82
12	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Strong	$1,248Fees	0.178%Below	53
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,889Fees	0.520%Above	776
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,309Fees	0.531%Above	286
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,079Fees	0.035%Above	125
16	GREATER NEVADA LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	Exceptional	$2,149Fees	0.428%Below	102
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,698Fees	0.031%Below	33
18	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$14Fees	0.258%Above	22
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,453Fees	0.218%Above	18
20	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,282Fees	0.321%Above	121
21	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,340Fees	0.317%Above	89
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,038Fees	0.082%Above	81
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,049Fees	0.357%Above	68
24	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,420Fees	0.176%Below	59
25	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,174Fees	0.150%Above	51
26	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,495Fees	0.536%Above	47
27	NexBankBank	Strong	Sound	Strong	Strong	Sound	$2,672Fees	0.784%Above	17
28	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$1,197Fees	0.227%Below	16
29	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,978Fees	0.228%Above	14
30	ONE NEVADA CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Sound	$2,361Fees	0.455%Below	14
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,601Fees	0.397%Above	101
32	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,454Fees	0.240%Above	75
33	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,542Fees	0.390%Above	45
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,711Fees	0.135%Above	43
35	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,822Fees	0.531%Above	41
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,939Fees	0.951%Above	38
37	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,445Fees	0.149%Above	37
38	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$402Fees	0.064%Above	34
39	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,813Fees	0.115%Below	27
40	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,725Fees	0.556%Below	27
41	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,850Fees	0.199%Above	25
42	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,053Fees	0.317%Above	19
43	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,598Fees	0.763%Above	15
44	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,683Fees	0.366%Above	15
45	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Sound	$3,385Fees	0.126%Below	15
46	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,411Fees	0.194%Above	13
47	INFINITY EQUITY GROUP, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,675Fees	0.560%Above	102
48	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,177Fees	0.666%Above	99
49	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,384Fees	0.361%Above	28
50	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,366Fees	0.382%Above	24

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 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.