Safe Rate Rankings

Best Credit Union Mortgage Lenders in Minnesota

Updated February 6, 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 Lenders12

Total Loans6,446

Median Rate Spread0.11%

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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	$3,081Fees	0.268%Above	1,205
2	MAGNIFI FINANCIAL CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Exceptional	$832Fees	0.068%Below	439
3	Wings Financial Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$1,424Fees	0.244%Below	677
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$712Fees	0.499%Below	213
5	Baxter Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$924Fees	0.007%Below	173
6	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Sound	Exceptional	$1,571Fees	0.014%Below	1,006
7	Spire Credit UnionCredit Union	Strong	Strong	Sound	Exceptional	$1,064Fees	0.048%Above	527
8	ALTRA Federal Credit UnionCredit Union	Strong	Sound	Exceptional	Strong	$1,721Fees	0.225%Above	246
9	TOPLINE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	$3,138Fees	0.631%Below	155
10	AFFINITY PLUSCredit Union	Strong	Sound	Sound	Exceptional	$2,250Fees	0.011%Below	552
11	ST. CLOUD FINANCIALCredit Union	Strong	Acceptable	Exceptional	Strong	$2,917Fees	0.063%Above	157
12	MEMBERS COOPERATIVECredit Union	Sound	Acceptable	Sound	Strong	$2,560Fees	0.321%Above	138

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.