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