# Best Mortgage Lenders for Conventional Loans in Duluth, MN - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top Conventional mortgage lenders in Duluth, MN across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Duluth, MN
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 49
- **Total Loan Volume:** 2,667
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Royal Credit Union](https://saferate.com/lenders/royal-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 2 | [TRUSTONE FINANCIAL CREDIT UNION](https://saferate.com/lenders/trustone-financial-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Sound ☺️ |
| 3 | [Superior Choice Credit Union](https://saferate.com/lenders/superior-choice-credit-union) | Credit Union | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 4 | [AFFINITY PLUS](https://saferate.com/lenders/affinity-plus) | Credit Union | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 5 | [MEMBERS COOPERATIVE](https://saferate.com/lenders/members-cooperative) | Credit Union | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 6 | [North Shore Federal Credit Union](https://saferate.com/lenders/north-shore-federal-credit-union) | Credit Union | Sound ☺️ | Sound ☺️ | Sound ☺️ |
| 7 | [NORTHWOODS](https://saferate.com/lenders/northwoods) | Credit Union | Sound ☺️ | N/A | Acceptable 🙂 |
| 8 | [CENTRICITY Credit Union](https://saferate.com/lenders/centricity-credit-union) | Credit Union | Acceptable 🙂 | N/A | Acceptable 🙂 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions/conventional-loans)