Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Wyoming

Updated May 26, 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 Lenders78

Total Loans5,839

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$2,594Fees	0.095%Below	30
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,653Fees	0.127%Above	106
3	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Strong	$2,701Fees	0.064%Above	64
4	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,419Fees	0.179%Above	55
5	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,020Fees	0.441%Above	19
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,234Fees	0.159%Above	14
7	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,268Fees	0.466%Above	13
8	Jonah Bank of WyomingBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,553Fees	0.139%Below	311
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,435Fees	0.341%Above	35
10	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$931Fees	0.163%Below	25
11	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,009Fees	0.495%Above	22
12	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,385Fees	0.162%Above	216
13	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,724Fees	0.379%Above	72
14	Pinnacle Bank - WyomingBank	Strong	Acceptable	Sound	Strong	Exceptional	$2,869Fees	0.098%Above	164
15	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,543Fees	0.244%Below	60
16	ANB BankBank	Strong	Sound	Sound	Sound	Strong	$237Fees	0.122%Below	45
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,064Fees	0.190%Above	44
18	NBH BankBank	Strong	Sound	Strong	Sound	Sound	$1,444Fees	0.302%Above	23
19	First Interstate BankBank	Strong	Sound	Sound	Acceptable	Strong	$1,875Fees	0.309%Above	44
20	Flanagan State BankBank	Sound	Acceptable	Strong	Sound	Sound	$3,402Fees	0.580%Above	15

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.