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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 Minneapolis
Updated February 5, 2026
Market Overview
42
Total Lenders
44,572
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $788 | -0.082% | 119 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,765 | +0.340% | 172 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
5 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,007 | +0.191% | 826 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.175% | 620 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,486 | +0.301% | 427 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.156% | 335 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,539 | +0.087% | 167 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,504 | +0.404% | 1,467 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,421 | +0.109% | 745 | |
14 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,251 | +0.158% | 161 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,793 | +0.470% | 1,187 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,495 | +0.185% | 634 | |
17 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,358 | +0.344% | 468 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,711 | +0.444% | 440 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,983 | +0.455% | 436 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.272% | 431 | |
21 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,690 | +0.449% | 375 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,719 | +0.517% | 278 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,879 | +0.281% | 274 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,388 | +0.299% | 198 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,779 | +0.238% | 194 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,446 | +0.500% | 165 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,014 | +0.601% | 135 | |
28 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,563 | +0.391% | 1,130 | |
29 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,775 | -0.222% | 586 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,962 | +0.354% | 575 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,457 | +0.320% | 453 | |
32 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,318 | +0.177% | 187 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,704 | +0.340% | 94 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,650 | +0.126% | 93 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,075 | +0.220% | 91 | |
36 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,234 | +0.638% | 592 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,701 | +0.254% | 362 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,257 | +0.502% | 333 | |
39 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $2,513 | +0.213% | 251 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,597 | +0.513% | 221 | |
41 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,959 | +0.495% | 155 | |
42 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,971 | +0.386% | 96 |
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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