Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Sound	$2,594Fees	0.095%Below	30
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,048Fees	0.087%Above	489
3	WESTERN VISTACredit Union	Strong	Sound	Exceptional	Exceptional	$3,538Fees	0.015%Above	118
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,653Fees	0.127%Above	106
5	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$987Fees	0.514%Below	39
6	Jonah Bank of WyomingBank	Strong	Sound	Strong	Exceptional	$3,553Fees	0.139%Below	311
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,419Fees	0.179%Above	55
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,405Fees	0.263%Above	691
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,322Fees	0.391%Above	442
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,006Fees	0.420%Above	403
11	Wallick & Volk, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,144Fees	0.438%Above	250
12	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,996Fees	0.228%Above	139
13	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,811Fees	0.067%Above	81
14	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,011Fees	0.005%Above	73
15	First Western Trust BankBank	Strong	Sound	Strong	Strong	$2,701Fees	0.064%Above	64
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,813Fees	0.167%Above	56
17	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Sound	$931Fees	0.163%Below	25
18	Pinnacle Bank - WyomingBank	Strong	Acceptable	Strong	Exceptional	$2,869Fees	0.098%Above	164
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,955Fees	0.396%Above	106
20	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,543Fees	0.244%Below	60
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,354Fees	0.148%Above	45
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,435Fees	0.341%Above	35
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,487Fees	0.179%Below	35
24	Blue Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$4,069Fees	0.601%Below	25
25	NBH BankBank	Strong	Sound	Strong	Sound	$1,444Fees	0.302%Above	23
26	Glacier BankBank	Strong	Acceptable	Sound	Exceptional	$3,385Fees	0.162%Above	216
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,403Fees	0.337%Above	193
28	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,318Fees	0.480%Above	177
29	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,256Fees	0.212%Above	90
30	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$3,724Fees	0.379%Above	72
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,656Fees	0.362%Above	57
32	ANB BankBank	Strong	Sound	Acceptable	Strong	$237Fees	0.122%Below	45
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,643Fees	0.259%Above	40
34	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,073Fees	0.185%Above	24
35	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,033Fees	0.559%Above	22
36	BMO Bank National AssociationBank	Strong	Sound	Sound	Sound	$1,009Fees	0.495%Above	22
37	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,106Fees	0.489%Above	100
38	UNIWYO FEDERAL CREDIT UNIONCredit Union	Sound	Acceptable	Acceptable	Exceptional	$3,739Fees	0.181%Above	82
39	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$3,064Fees	0.190%Above	44
40	First Interstate BankBank	Sound	Sound	Mediocre	Strong	$1,875Fees	0.309%Above	44
41	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,859Fees	0.290%Above	28
42	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,098Fees	0.431%Above	25
43	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,016Fees	0.361%Above	60
44	AXIA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,892Fees	0.284%Above	49
45	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,133Fees	0.070%Above	38
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,643Fees	0.658%Above	36
47	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,940Fees	0.335%Above	35
48	CENTENNIAL LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Mediocre	Strong	$3,904Fees	0.021%Below	39
49	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$3,974Fees	0.401%Above	24
50	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$6,121Fees	0.515%Above	20

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.