Safe Rate Rankings

Best Conventional Mortgage 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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$987Fees	0.514%Below	39
4	First Western Trust BankBank	Exceptional	Strong	Strong	Strong	Strong	$2,701Fees	0.064%Above	64
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,419Fees	0.179%Above	55
6	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,020Fees	0.441%Above	19
7	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,234Fees	0.159%Above	14
8	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,268Fees	0.466%Above	13
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,405Fees	0.263%Above	691
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,048Fees	0.087%Above	489
11	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,996Fees	0.228%Above	139
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,813Fees	0.167%Above	56
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,322Fees	0.391%Above	442
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,006Fees	0.420%Above	403
15	Jonah Bank of WyomingBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,553Fees	0.139%Below	311
16	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,811Fees	0.067%Above	81
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,643Fees	0.259%Above	40
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,435Fees	0.341%Above	35
19	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,098Fees	0.431%Above	25
20	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$931Fees	0.163%Below	25
21	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,009Fees	0.495%Above	22
22	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,385Fees	0.162%Above	216
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,403Fees	0.337%Above	193
24	WESTERN VISTACredit Union	Strong	Acceptable	Sound	Exceptional	Exceptional	$3,538Fees	0.015%Above	118
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,955Fees	0.396%Above	106
26	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,256Fees	0.212%Above	90
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$4,011Fees	0.005%Above	73
28	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,724Fees	0.379%Above	72
29	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,016Fees	0.361%Above	60
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,656Fees	0.362%Above	57
31	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,487Fees	0.179%Below	35
32	Blue Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	Strong	$4,069Fees	0.601%Below	25
33	Pinnacle Bank - WyomingBank	Strong	Acceptable	Sound	Strong	Exceptional	$2,869Fees	0.098%Above	164
34	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,543Fees	0.244%Below	60
35	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,354Fees	0.148%Above	45
36	ANB BankBank	Strong	Sound	Sound	Sound	Strong	$237Fees	0.122%Below	45
37	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,064Fees	0.190%Above	44
38	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,859Fees	0.290%Above	28
39	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,073Fees	0.185%Above	24
40	NBH BankBank	Strong	Sound	Strong	Sound	Sound	$1,444Fees	0.302%Above	23
41	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,033Fees	0.559%Above	22
42	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,523Fees	0.365%Above	16
43	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,044Fees	0.258%Above	15
44	Wallick & Volk, Inc.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,144Fees	0.438%Above	250
45	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,106Fees	0.489%Above	100
46	UNIWYO FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Sound	Exceptional	$3,739Fees	0.181%Above	82
47	First Interstate BankBank	Strong	Sound	Sound	Acceptable	Strong	$1,875Fees	0.309%Above	44
48	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,133Fees	0.070%Above	38
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,643Fees	0.658%Above	36
50	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,676Fees	0.128%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.