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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 Conventional Mortgage Company Lenders in Minnesota
Updated February 6, 2026
Market Overview
43
Total Lenders
63,948
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,324 | +0.030% | 159 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,798 | +0.338% | 189 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,056 | +0.293% | 4,740 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,910 | +0.325% | 3,524 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,963 | +0.265% | 948 | |
6 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,101 | +0.205% | 925 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,423 | +0.155% | 595 | |
8 | Servion, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,269 | +0.253% | 512 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,359 | +0.312% | 460 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,735 | +0.092% | 204 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,571 | +0.291% | 153 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,865 | +0.409% | 2,661 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,456 | +0.465% | 2,146 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,669 | +0.249% | 1,495 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,482 | +0.106% | 936 | |
16 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,033 | -0.110% | 171 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,959 | +0.494% | 169 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,706 | +0.511% | 1,611 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,257 | +0.224% | 977 | |
20 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,170 | +0.354% | 639 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,714 | +0.448% | 507 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,959 | +0.416% | 467 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,320 | +0.283% | 458 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,696 | +0.391% | 433 | |
25 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,681 | +0.453% | 379 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,660 | +0.566% | 347 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,266 | +0.337% | 335 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,351 | +0.461% | 305 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,756 | +0.301% | 268 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,935 | +0.619% | 150 | |
31 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,543 | +0.416% | 1,296 | |
32 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,091 | +0.719% | 822 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,937 | +0.358% | 718 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,483 | +0.329% | 605 | |
35 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,775 | -0.222% | 586 | |
36 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $2,676 | +0.279% | 360 | |
37 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,979 | +0.455% | 307 | |
38 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,352 | +0.198% | 219 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,117 | +0.385% | 760 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,183 | +0.529% | 399 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,791 | +0.597% | 333 | |
42 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,140 | +0.462% | 131 | |
43 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Strong | 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 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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