🛡️
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 Company Lenders in St. Cloud
Updated February 5, 2026
Market Overview
24
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 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,544 | +0.123% | 99 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,663 | +0.369% | 111 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,718 | +0.303% | 110 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,358 | +0.275% | 18 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,757 | +0.267% | 16 | |
6 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,655 | +0.476% | 124 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,997 | +0.521% | 57 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,387 | +0.390% | 57 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,350 | +0.336% | 41 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,417 | +0.413% | 37 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,349 | +0.109% | 35 | |
12 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,196 | +0.055% | 21 | |
13 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Strong | Sound | $3,167 | -0.294% | 12 | |
14 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,524 | +0.516% | 56 | |
15 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,556 | +0.274% | 21 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,742 | +0.338% | 15 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,922 | +0.236% | 14 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,332 | +0.171% | 11 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,184 | +0.518% | 11 | |
20 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,514 | +0.960% | 38 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,094 | +0.491% | 24 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,780 | +0.300% | 18 | |
23 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,103 | +0.807% | 15 | |
24 | 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
St. Cloud, MNConventional
No credit impact
3-minute process
100% free