Mortgage Lenders and Brokers in Bemidji, Minnesota
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Bemidji, Minnesota mortgage lenders include National Bank of CommerceNational Bank of Commerce1260 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 5.00%, Deerwood BankDeerwood Bank1350 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 4.01%, Bank ForwardBank Forward700 Paul Bunyan Dr Nw, Bemidji, MN 56601A5.0 ★Texas Ratio: 6.75%, KodaBankKodaBank1060 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 2.26%, Wells Fargo Bank NAWells Fargo Bank NA2024 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 5.36%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1500 Birchmont Dr NE Ste 45, Bemidji, MN 56601A+5.0 ★Texas Ratio: 4.41%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, Alerus Financial NAAlerus Financial NA143 W Clark St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 3.32%, and Northview BankNorthview Bank6340 Merchant St, Askov, MN 55704A+5.0 ★Texas Ratio: 3.46%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bemidji, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bemidji are listed first, then lenders elsewhere in Minnesota, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bemidji, Minnesota
Market share is the lender's share of all home loans closed in Bemidji, Minnesota. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
2 offices in Bemidji 1260 Paul Bunyan Dr Nw, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 17 | 7.8% | 94.7% | $173,235 | View |
|
1 office in Bemidji 1350 Paul Bunyan Dr Nw, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 13 +6 HELOCs |
6% | 92.9% | $138,846 | View |
|
1 office in Bemidji 700 Paul Bunyan Dr Nw, Bemidji, MN 56601 A5.0 ★Texas Ratio: 6.75% |
Conventional | 7 | 3.2% | 100% | $186,428 | View |
|
1 office in Bemidji 1060 Paul Bunyan Dr Nw, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 3 | 1.4% | 100% | $195,000 | View |
|
1 office in Bemidji 2024 Paul Bunyan Dr Nw, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.4% | 100% | $175,000 | View |
|
1500 Birchmont Dr NE Ste 45, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 65 +7 HELOCs |
30% | 84.4% | $63,153 | View |
|
331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1.8% | 100% | $105,000 | View |
|
11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 3 | 1.4% | 100% | $171,666 | View |
|
143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $515,000 | View |
|
6340 Merchant St, Askov, MN 55704 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 2 | 0.9% | 100% | $80,000 | View |
|
1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $185,000 | View |
|
405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
USDA | 1 | 0.5% | 100% | $155,000 | View |
|
31 Central St E, Bagley, MN 56621 A4.9 ★Texas Ratio: 11.76% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
|
14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.5% | 100% | $85,000 | View |
|
215 Front Street South, Barnesville, MN 56514 A+5.0 ★Texas Ratio: 0.44% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
|
715 Crossroads Campus Dr NE, Buffalo, MN 55313 5074 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
|
14985 Glazier Ave, Apple Valley, MN 55124 |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Servion
|
Conventional | 3 | 1.4% | 100% | $188,333 | |
Rocket Mortgage
|
Conventional, FHA, VA | 13 | 6% | 76.5% | $158,076 | |
Everett Financial, Inc.
|
Conventional, FHA, VA | 7 | 3.2% | 100% | $176,428 | |
American Pacific Mortgage Corporation
|
FHA, VA, USDA | 7 | 3.2% | 100% | $269,285 | |
Fairway Independent Mort Corp
|
Conventional | 7 | 3.2% | 100% | $180,714 | |
Mortgage Research Center
|
FHA, VA | 6 | 2.8% | 60% | $251,666 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 5 | 2.3% | 85.7% | $231,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA, USDA | 4 | 1.8% | 71.4% | $287,500 | |
Primelending
|
Conventional, FHA | 3 | 1.4% | 100% | $108,333 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 1.4% | 80% | $178,333 | |
Goodleap, LLC
|
Conventional | 2 | 0.9% | 100% | $290,000 | |
Newrez LLC
|
FHA, VA | 2 | 0.9% | 66.7% | $220,000 | |
Pennymac Loan Services LLC
|
FHA | 2 | 0.9% | 66.7% | $210,000 | |
Gate City Bank
|
Conventional | 2 | 0.9% | 100% | $300,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.9% | 100% | $275,000 | View |
|
A5.0 ★Texas Ratio: 6.13% |
Conventional, FHA | 2 | 0.9% | 100% | $225,000 | View |
Lower, LLC
|
Conventional | 2 | 0.9% | 100% | $75,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.5% | 100% | $235,000 | |
Envoy Mortgage, Ltd
|
USDA | 1 | 0.5% | 100% | $165,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $115,000 | |
Kind Lending, LLC
|
USDA | 1 | 0.5% | 100% | $145,000 | |
Cmg Mortgage Inc
|
Conventional | 1 | 0.5% | 100% | $445,000 | |
HomeBridge Financial Services, Inc
|
VA | 1 | 0.5% | 100% | $205,000 | |
Discover Bank
|
Conventional | 1 | 0.5% | 25% | $195,000 | |
Weichert Financial Services
|
Conventional | 1 | 0.5% | 100% | $345,000 | |
Homeowners Financial Group, LLC
|
Conventional | 1 | 0.5% | 100% | $285,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.5% | 100% | $325,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.5% | 100% | $445,000 | |
|
A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.5% | 100% | $415,000 | View |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.5% | 50% | $195,000 | |
New American Funding, LLC.
|
Conventional | 1 | 0.5% | 100% | $195,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
First Community Credit Union
|
Conventional | 1 | 0.5% | 100% | $515,000 | |
Loan Simple, Inc.
|
FHA | 1 | 0.5% | 100% | $185,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.5% | 100% | $65,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Bemidji Mortgage Rate Trends
Daily average mortgage rates for Minnesota compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bemidji, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Bemidji? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bemidji in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bemidji, MN
Use these to narrow the list above. Each category shows how many Bemidji, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Bemidji, MN
Independent mortgage companies closed 35.9 percent of home loans in Bemidji, Minnesota in 2025, banks 33.2 percent and credit unions 30.9 percent. Servion was the largest mortgage company, National Bank of Commerce the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Deerwood Bank led with 13 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Minnesota. State deed tax of 0.33 percent of the price (seller pays) and a mortgage registry tax of 0.23 percent of the mortgage amount (borrower pays); Hennepin and Ramsey counties add 0.01 percent to each through 2027.
More Minnesota Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bemidji, MN
By home loans closed in 2025, National Bank of Commerce was the largest mortgage lender in Bemidji, Minnesota with 17 loans, about 7.8 percent of the market. The largest lender headquartered in Minnesota was Deerwood Bank with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Bemidji, Minnesota, Affinity Plus Federal Credit Union approved the highest share of completed applications in 2025 at 84.4 percent, against a 87.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Bemidji, Minnesota in 2025, led by Rocket Mortgage with 4. 10 lenders closed VA loans, led by Mortgage Research Center, and 5 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 24 banks and 7 credit unions closed home loans in Bemidji, Minnesota in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bemidji, Minnesota during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bemidji, Minnesota for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bemidji. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
