Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,143Fees	0.215%Above	113
2	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	Sound	$793Fees	0.054%Below	13
3	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,152Fees	0.452%Above	50
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,481Fees	0.340%Above	15
5	North Shore Bank of CommerceBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,459Fees	0.182%Above	443
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,780Fees	0.495%Above	199
7	Frandsen Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$2,508Fees	0.149%Above	115
8	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,257Fees	0.487%Above	98
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,818Fees	0.413%Above	83
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,000Fees	0.308%Above	18
11	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,769Fees	0.289%Above	11
12	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Sound	$2,543Fees	0.136%Above	11
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,005Fees	0.715%Above	138
14	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,961Fees	0.367%Above	137
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,239Fees	0.155%Above	21
16	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,987Fees	0.479%Above	13
17	Tradition Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,855Fees	0.248%Above	10
18	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,056Fees	0.395%Above	101
19	National Bank of CommerceBank	Strong	Acceptable	Sound	Strong	Exceptional	$2,558Fees	0.195%Above	99
20	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,347Fees	0.329%Above	88
21	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,529Fees	0.674%Above	67
22	Superior Choice Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$2,264Fees	0.086%Below	66
23	Park State BankBank	Strong	Sound	Sound	Sound	Strong	$2,278Fees	0.017%Above	63
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,336Fees	0.531%Above	47
25	AFFINITY PLUSCredit Union	Strong	Sound	Strong	Sound	Sound	$2,130Fees	0.022%Below	33
26	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,329Fees	0.263%Above	24
27	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,440Fees	0.523%Above	18
28	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,035Fees	0.302%Above	18
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,092Fees	0.186%Above	15
30	MEMBERS COOPERATIVECredit Union	Strong	Acceptable	Sound	Strong	Strong	$2,450Fees	0.254%Above	83
31	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,304Fees	0.714%Above	57
32	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,195Fees	0.450%Above	41
33	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,784Fees	0.385%Above	33
34	GRANITE BANKBank	Strong	Acceptable	Strong	Strong	Sound	$1,966Fees	0.289%Above	17
35	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,005Fees	0.045%Below	14
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,009Fees	0.816%Above	10
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$4,232Fees	0.682%Above	10
38	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,109Fees	0.883%Above	45
39	North Shore Federal Credit UnionCredit Union	Sound	Sound	Acceptable	Sound	Sound	$982Fees	0.273%Above	20
40	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,260Fees	0.673%Above	14
41	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,626Fees	0.565%Above	11
42	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Strong	Acceptable	$3,068Fees	0.506%Above	10
43	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$2,227Fees	0.900%Above	27
44	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Acceptable	$3,210Fees	1.192%Above	10

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.