Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders24

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	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,544Fees	0.123%Above	99
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,663Fees	0.369%Above	111
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,718Fees	0.303%Above	110
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,358Fees	0.275%Above	18
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,757Fees	0.267%Above	16
6	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,655Fees	0.476%Above	124
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,997Fees	0.521%Above	57
8	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,387Fees	0.390%Above	57
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,350Fees	0.336%Above	41
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,417Fees	0.413%Above	37
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,349Fees	0.109%Above	35
12	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,196Fees	0.055%Above	21
13	CORTRUST MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,167Fees	0.294%Below	12
14	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,524Fees	0.516%Above	56
15	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,556Fees	0.274%Above	21
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,742Fees	0.338%Above	15
17	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,922Fees	0.236%Above	14
18	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,332Fees	0.171%Above	11
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,184Fees	0.518%Above	11
20	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,514Fees	0.960%Above	38
21	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,094Fees	0.491%Above	24
22	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,780Fees	0.300%Above	18
23	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,103Fees	0.807%Above	15
24	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.