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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 Company Lenders in Minnesota
Updated February 6, 2026
Market Overview
43
Total Lenders
39,680
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Strong | $2,324 | +0.030% | 159 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,798 | +0.338% | 189 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,056 | +0.293% | 4,740 | |
4 | Tradition Mortgage, LLC | Strong | Sound | Strong | Exceptional | $2,101 | +0.205% | 925 | |
5 | Servion, Inc. | Strong | Sound | Strong | Exceptional | $2,269 | +0.253% | 512 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,571 | +0.291% | 153 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,910 | +0.325% | 3,524 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,456 | +0.465% | 2,146 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,257 | +0.224% | 977 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,963 | +0.265% | 948 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,482 | +0.106% | 936 | |
12 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,359 | +0.312% | 460 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,696 | +0.391% | 433 | |
14 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Strong | $3,033 | -0.110% | 171 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,865 | +0.409% | 2,661 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,669 | +0.249% | 1,495 | |
17 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $3,170 | +0.354% | 639 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,714 | +0.448% | 507 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,959 | +0.416% | 467 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,320 | +0.283% | 458 | |
21 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,681 | +0.453% | 379 | |
22 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | $2,676 | +0.279% | 360 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,660 | +0.566% | 347 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,266 | +0.337% | 335 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,351 | +0.461% | 305 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,735 | +0.092% | 204 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $3,959 | +0.494% | 169 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,706 | +0.511% | 1,611 | |
29 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | $4,091 | +0.719% | 822 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,117 | +0.385% | 760 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,937 | +0.358% | 718 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,423 | +0.155% | 595 | |
33 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $5,775 | -0.222% | 586 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,756 | +0.301% | 268 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,935 | +0.619% | 150 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,140 | +0.462% | 131 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Exceptional | $4,543 | +0.416% | 1,296 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,483 | +0.329% | 605 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,791 | +0.597% | 333 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $4,352 | +0.198% | 219 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,183 | +0.529% | 399 | |
42 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Strong | $3,979 | +0.455% | 307 | |
43 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Sound | Strong | $2,446 | +0.829% | 219 |
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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