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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 Mortgage Lenders in Rochester
Updated February 5, 2026
Market Overview
40
Total Lenders
2,266
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Think Mutual Bank | Exceptional | Strong | Strong | Exceptional | $1,869 | -0.128% | 229 | |
2 | Merchants Bank, National Association | Exceptional | Strong | Strong | Exceptional | $2,363 | -0.115% | 87 | |
3 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $2,452 | -0.208% | 78 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,117 | -0.163% | 22 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,497 | +0.258% | 308 | |
6 | ALTRA Federal Credit Union | Strong | Sound | Exceptional | Exceptional | $2,280 | +0.178% | 93 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,207 | +0.013% | 90 | |
8 | Alerus Financial, National Association | Strong | Sound | Strong | Exceptional | $2,602 | -0.031% | 156 | |
9 | Bell Bank | Strong | Acceptable | Exceptional | Exceptional | $3,813 | +0.111% | 166 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,605 | +0.214% | 90 | |
11 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | $3,198 | +0.187% | 77 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,473 | +0.615% | 61 | |
13 | Servion, Inc. | Strong | Sound | Strong | Strong | $2,445 | +0.017% | 45 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,760 | +0.123% | 36 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,125 | +0.369% | 120 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,562 | +0.482% | 77 | |
17 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,430 | +0.375% | 26 | |
18 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,826 | +0.279% | 59 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,447 | +0.163% | 58 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,799 | +0.437% | 27 | |
21 | AFFINITY PLUS | Strong | Sound | Sound | Sound | $2,446 | -0.160% | 20 | |
22 | MAYO EMPLOYEES FEDERAL CREDIT UNION | Sound | Acceptable | Sound | Strong | $3,812 | -0.135% | 46 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,748 | +0.456% | 27 | |
24 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,137 | +0.225% | 24 | |
25 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $2,735 | +0.563% | 24 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,423 | +0.683% | 26 |
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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