Safe Rate Rankings

Best All Lender Mortgage Lenders in Minneapolis

Updated May 24, 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 Lenders202

Total Loans44,572

Median Rate Spread0.23%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.