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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 Conventional Mortgage Lenders in St. Cloud
Updated February 5, 2026
Market Overview
44
Total Lenders
1,801
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty Bank Minnesota | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,028 | +0.143% | 111 | |
2 | MAGNIFI FINANCIAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $836 | -0.067% | 217 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $858 | +0.231% | 38 | |
4 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,163 | +0.705% | 26 | |
5 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,662 | -0.138% | 19 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $784 | -0.702% | 16 | |
7 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $862 | +0.297% | 12 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,544 | +0.123% | 99 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,992 | +0.127% | 21 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,663 | +0.369% | 111 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,718 | +0.303% | 110 | |
12 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $3,240 | +0.132% | 42 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,358 | +0.275% | 18 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,757 | +0.267% | 16 | |
15 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Strong | Sound | Sound | $1,901 | +0.183% | 16 | |
16 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,655 | +0.476% | 124 | |
17 | ST. CLOUD FINANCIAL | Strong | Acceptable | Sound | Exceptional | Exceptional | $2,812 | +0.078% | 103 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,997 | +0.521% | 57 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,387 | +0.390% | 57 | |
20 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,891 | +0.382% | 45 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,350 | +0.336% | 41 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,417 | +0.413% | 37 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,349 | +0.109% | 35 | |
24 | Deerwood Bank | Strong | Sound | Sound | Strong | Strong | $2,426 | +0.230% | 32 | |
25 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,196 | +0.055% | 21 | |
26 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Strong | Sound | $3,167 | -0.294% | 12 | |
27 | Spire Credit Union | Strong | Strong | Sound | Sound | Sound | $1,057 | +0.475% | 12 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,524 | +0.516% | 56 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,556 | +0.274% | 21 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,620 | +0.296% | 19 | |
31 | AFFINITY PLUS | Strong | Sound | Strong | Sound | Sound | $2,141 | -0.132% | 16 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,742 | +0.338% | 15 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,922 | +0.236% | 14 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,332 | +0.171% | 11 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,184 | +0.518% | 11 | |
36 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,514 | +0.960% | 38 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,094 | +0.491% | 24 | |
38 | GRANITE BANK | Strong | Acceptable | Strong | Strong | Sound | $3,210 | +0.230% | 18 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,780 | +0.300% | 18 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,103 | +0.807% | 15 | |
41 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | Sound | $3,795 | +0.675% | 13 |
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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St. Cloud, MNConventional
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