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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Duluth
Updated February 5, 2026
Market Overview
49
Total Lenders
2,667
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,143 | +0.215% | 113 | |
2 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | Sound | $793 | -0.054% | 13 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,152 | +0.452% | 50 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,481 | +0.340% | 15 | |
5 | North Shore Bank of Commerce | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,459 | +0.182% | 443 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,780 | +0.495% | 199 | |
7 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,508 | +0.149% | 115 | |
8 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,257 | +0.487% | 98 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,818 | +0.413% | 83 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,000 | +0.308% | 18 | |
11 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,769 | +0.289% | 11 | |
12 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Strong | Sound | Sound | $2,543 | +0.136% | 11 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.715% | 138 | |
14 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,961 | +0.367% | 137 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,239 | +0.155% | 21 | |
16 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,987 | +0.479% | 13 | |
17 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $1,855 | +0.248% | 10 | |
18 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,056 | +0.395% | 101 | |
19 | National Bank of Commerce | Strong | Acceptable | Sound | Strong | Exceptional | $2,558 | +0.195% | 99 | |
20 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $2,347 | +0.329% | 88 | |
21 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.674% | 67 | |
22 | Superior Choice Credit Union | Strong | Sound | Sound | Sound | Strong | $2,264 | -0.086% | 66 | |
23 | Park State Bank | Strong | Sound | Sound | Sound | Strong | $2,278 | +0.017% | 63 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,336 | +0.531% | 47 | |
25 | AFFINITY PLUS | Strong | Sound | Strong | Sound | Sound | $2,130 | -0.022% | 33 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,329 | +0.263% | 24 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,440 | +0.523% | 18 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,035 | +0.302% | 18 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,092 | +0.186% | 15 | |
30 | MEMBERS COOPERATIVE | Strong | Acceptable | Sound | Strong | Strong | $2,450 | +0.254% | 83 | |
31 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,304 | +0.714% | 57 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,195 | +0.450% | 41 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,784 | +0.385% | 33 | |
34 | GRANITE BANK | Strong | Acceptable | Strong | Strong | Sound | $1,966 | +0.289% | 17 | |
35 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,005 | -0.045% | 14 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,009 | +0.816% | 10 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,232 | +0.682% | 10 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,109 | +0.883% | 45 | |
39 | North Shore Federal Credit Union | Sound | Sound | Acceptable | Sound | Sound | $982 | +0.273% | 20 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,260 | +0.673% | 14 | |
41 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,626 | +0.565% | 11 | |
42 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Strong | Acceptable | $3,068 | +0.506% | 10 | |
43 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Strong | Sound | Sound | $2,227 | +0.900% | 27 | |
44 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Acceptable | $3,210 | +1.192% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Duluth, MNConventional
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