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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,497 | +0.258% | 308 | |
2 | Alerus Financial, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,602 | -0.031% | 156 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,207 | +0.013% | 90 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $704 | +1.127% | 12 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,473 | +0.615% | 61 | |
6 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,813 | +0.111% | 166 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,125 | +0.369% | 120 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,562 | +0.482% | 77 | |
9 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $3,198 | +0.187% | 77 | |
10 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,137 | +0.225% | 24 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,605 | +0.214% | 90 | |
12 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.279% | 59 | |
13 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $2,735 | +0.563% | 24 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,748 | +0.456% | 27 | |
15 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | 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 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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