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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 Mortgage Lenders in Minneapolis
Updated February 5, 2026
Market Overview
202
Total Lenders
44,572
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $2,928 | +0.241% | 1,191 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $954 | -0.145% | 298 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $723 | -0.203% | 273 | |
4 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,765 | +0.340% | 172 | |
5 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $677 | +0.140% | 972 | |
6 | Wings Financial Credit Union | Exceptional | Strong | Strong | Exceptional | $1,446 | -0.247% | 571 | |
7 | Baxter Credit Union | Exceptional | Exceptional | Sound | Strong | $852 | -0.008% | 154 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $663 | -0.525% | 142 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $788 | -0.082% | 119 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
11 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Sound | Exceptional | $1,544 | -0.021% | 908 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,830 | -0.004% | 880 | |
13 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,501 | +0.244% | 601 | |
14 | Spire Credit Union | Strong | Strong | Sound | Exceptional | $1,102 | +0.037% | 424 | |
15 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,518 | -0.079% | 191 | |
16 | Merchants Bank, National Association | Strong | Strong | Strong | Strong | $1,923 | -0.099% | 94 | |
17 | Tradition Mortgage, LLC | Strong | Sound | Strong | Exceptional | $2,007 | +0.191% | 826 | |
18 | Alerus Financial, National Association | Strong | Sound | Strong | Exceptional | $1,331 | +0.322% | 647 | |
19 | TOPLINE FINANCIAL CREDIT UNION | Strong | Strong | Sound | Strong | $3,077 | -0.668% | 131 | |
20 | Bell Bank | Strong | Acceptable | Exceptional | Exceptional | $2,964 | +0.254% | 3,624 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,504 | +0.404% | 1,467 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,421 | +0.109% | 745 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,495 | +0.185% | 634 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,799 | +0.175% | 620 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,486 | +0.301% | 427 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,172 | +0.122% | 328 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,879 | +0.281% | 274 | |
29 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | $3,146 | +0.216% | 204 | |
30 | NexBank | Strong | Sound | Strong | Strong | $1,432 | +0.192% | 188 | |
31 | Servion, Inc. | Strong | Sound | Strong | Strong | $2,251 | +0.158% | 161 | |
32 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | $2,561 | -0.013% | 117 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
35 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $3,358 | +0.344% | 468 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,711 | +0.444% | 440 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,983 | +0.455% | 436 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,291 | +0.272% | 431 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,690 | +0.449% | 375 | |
40 | AFFINITY PLUS | Strong | Sound | Sound | Strong | $2,556 | -0.054% | 300 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,719 | +0.517% | 278 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,388 | +0.299% | 198 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,539 | +0.087% | 167 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,446 | +0.500% | 165 | |
45 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,153 | -0.164% | 126 | |
46 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $5,775 | -0.222% | 586 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,962 | +0.354% | 575 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,701 | +0.254% | 362 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,459 | +0.156% | 335 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,303 | +0.304% | 325 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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