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