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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 Company Lenders in Duluth
Updated February 5, 2026
Market Overview
28
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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,780 | +0.495% | 199 | |
2 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,257 | +0.487% | 98 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,818 | +0.413% | 83 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,000 | +0.308% | 18 | |
5 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,769 | +0.289% | 11 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.715% | 138 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,239 | +0.155% | 21 | |
8 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,987 | +0.479% | 13 | |
9 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $1,855 | +0.248% | 10 | |
10 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,056 | +0.395% | 101 | |
11 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $2,347 | +0.329% | 88 | |
12 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.674% | 67 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,336 | +0.531% | 47 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,329 | +0.263% | 24 | |
15 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,440 | +0.523% | 18 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,035 | +0.302% | 18 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,092 | +0.186% | 15 | |
18 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,304 | +0.714% | 57 | |
19 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,195 | +0.450% | 41 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,784 | +0.385% | 33 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,009 | +0.816% | 10 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,232 | +0.682% | 10 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,109 | +0.883% | 45 | |
24 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,260 | +0.673% | 14 | |
25 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,626 | +0.565% | 11 | |
26 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Strong | Acceptable | $3,068 | +0.506% | 10 | |
27 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Strong | Sound | Sound | $2,227 | +0.900% | 27 | |
28 | 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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