Safe Rate Rankings

Best Conventional Mortgage Lenders in Rochester

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders40

Total Loans2,266

Median Rate Spread0.21%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,117Fees	0.163%Below	22
2	Think Mutual BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,869Fees	0.128%Below	229
3	ALTRA Federal Credit UnionCredit Union	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,280Fees	0.178%Above	93
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,207Fees	0.013%Above	90
5	Merchants Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,363Fees	0.115%Below	87
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$294Fees	0.457%Below	11
7	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,334Fees	0.548%Above	11
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,497Fees	0.258%Above	308
9	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Strong	Exceptional	$2,602Fees	0.031%Below	156
10	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$2,452Fees	0.208%Below	78
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,473Fees	0.615%Above	61
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,760Fees	0.123%Above	36
13	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,813Fees	0.111%Above	166
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,125Fees	0.369%Above	120
15	Bremer Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$3,198Fees	0.187%Above	77
16	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,445Fees	0.017%Above	45
17	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,430Fees	0.375%Above	26
18	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,735Fees	0.563%Above	24
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,872Fees	0.177%Below	12
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,605Fees	0.214%Above	90
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,562Fees	0.482%Above	77
22	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,447Fees	0.163%Above	58
23	Minnwest BankBank	Strong	Strong	Sound	Sound	Sound	$2,376Fees	0.404%Below	17
24	Frandsen Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$2,441Fees	0.265%Above	14
25	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,522Fees	0.421%Below	12
26	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,826Fees	0.279%Above	59
27	MAYO EMPLOYEES FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Strong	$3,812Fees	0.135%Below	46
28	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,799Fees	0.437%Above	27
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,748Fees	0.456%Above	27
30	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,137Fees	0.225%Above	24
31	AFFINITY PLUSCredit Union	Strong	Sound	Strong	Sound	Sound	$2,446Fees	0.160%Below	20
32	WNB FINANCIAL, N.A.Bank	Strong	Sound	Sound	Strong	Sound	$1,676Fees	0.038%Above	16
33	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,423Fees	0.683%Above	26
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,399Fees	0.260%Above	15
35	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,697Fees	0.395%Above	12
36	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$3,070Fees	0.665%Above	18
37	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Sound	$2,664Fees	1.351%Above	16

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.