Safe Rate Rankings

Best FHA 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	Sound	Strong	$1,143Fees	0.215%Above	113
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,818Fees	0.413%Above	83
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$679Fees	1.398%Above	13
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,239Fees	0.155%Above	21
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,780Fees	0.495%Above	199
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,005Fees	0.715%Above	138
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,000Fees	0.308%Above	18
8	North Shore Bank of CommerceBank	Strong	Acceptable	Sound	Exceptional	Exceptional	$3,459Fees	0.182%Above	443
9	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,961Fees	0.367%Above	137
10	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$3,056Fees	0.395%Above	101
11	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,195Fees	0.450%Above	41
12	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,347Fees	0.329%Above	88
13	Park State BankBank	Strong	Sound	Sound	Sound	Strong	$2,278Fees	0.017%Above	63
14	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,304Fees	0.714%Above	57
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,329Fees	0.263%Above	24
16	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,109Fees	0.883%Above	45
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$2,529Fees	0.674%Above	67
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,336Fees	0.531%Above	47

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.