Safe Rate Rankings

Best Conventional Mortgage Lenders in St. Cloud

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 Lenders44

Total Loans1,801

Median Rate Spread0.28%

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

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.