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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 Conventional Mortgage Lenders in Reno

Updated February 5, 2026

Market Overview

Total Lenders

5,965

Total Loans

0.22%

Median Rate Spread

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

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