Safe Rate Rankings

Best Conventional Mortgage Credit Union 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 Lenders8

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	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	Sound	$793Fees	0.054%Below	13
2	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Sound	$2,543Fees	0.136%Above	11
3	Superior Choice Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$2,264Fees	0.086%Below	66
4	AFFINITY PLUSCredit Union	Strong	Sound	Strong	Sound	Sound	$2,130Fees	0.022%Below	33
5	MEMBERS COOPERATIVECredit Union	Strong	Acceptable	Sound	Strong	Strong	$2,450Fees	0.254%Above	83
6	North Shore Federal Credit UnionCredit Union	Sound	Sound	Acceptable	Sound	Sound	$982Fees	0.273%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 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.