Safe Rate Rankings

Best Mortgage Lenders in Duluth

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 Lenders49

Total Loans2,667

Median Rate Spread0.39%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,143Fees	0.215%Above	113
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,818Fees	0.413%Above	83
3	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,152Fees	0.452%Above	50
4	Frandsen Bank & TrustBank	Strong	Sound	Strong	Strong	$2,508Fees	0.149%Above	115
5	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,257Fees	0.487%Above	98
6	North Shore Bank of CommerceBank	Strong	Acceptable	Strong	Exceptional	$3,459Fees	0.182%Above	443
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,780Fees	0.495%Above	199
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,005Fees	0.715%Above	138
9	Bell BankBank	Strong	Acceptable	Exceptional	Strong	$1,961Fees	0.367%Above	137
10	Park State BankBank	Strong	Sound	Sound	Strong	$2,278Fees	0.017%Above	63
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,239Fees	0.155%Above	21
12	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,056Fees	0.395%Above	101
13	National Bank of CommerceBank	Strong	Acceptable	Sound	Exceptional	$2,558Fees	0.195%Above	99
14	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,347Fees	0.329%Above	88
15	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,095Fees	0.066%Below	73
16	Superior Choice Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$2,264Fees	0.086%Below	66
17	AFFINITY PLUSCredit Union	Strong	Sound	Sound	Sound	$2,130Fees	0.022%Below	33
18	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,329Fees	0.263%Above	24
19	MEMBERS COOPERATIVECredit Union	Sound	Acceptable	Sound	Strong	$2,450Fees	0.254%Above	83
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,529Fees	0.674%Above	67
21	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,304Fees	0.714%Above	57
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,336Fees	0.531%Above	47
23	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,784Fees	0.385%Above	33
24	North Shore Federal Credit UnionCredit Union	Sound	Sound	Acceptable	Sound	$982Fees	0.273%Above	20
25	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$4,109Fees	0.883%Above	45
26	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,195Fees	0.450%Above	41
27	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$2,227Fees	0.900%Above	27

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.