Mortgage Lenders and Brokers in Big Lake, Minnesota
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Big Lake, Minnesota mortgage lenders include Old National BankOld National Bank19943 County Road 43 Nw, Big Lake, MN 55309A+5.0 ★Texas Ratio: 4.98%, Liberty Bank MinnesotaLiberty Bank Minnesota730 Humboldt Dr, Big Lake, MN 55309A+5.0 ★Texas Ratio: 0.00%, National Bank of CommerceNational Bank of Commerce240 Jefferson Blvd, Big Lake, MN 55309A+5.0 ★Texas Ratio: 5.00%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Minnco Credit UnionMinnco Credit Union613 Rose Dr, Big Lake, MN 55309A+5.0 ★Texas Ratio: 2.50%, Luminate BankLuminate Bank208 W Front St, Claremont, MN 55924A5.0 ★Texas Ratio: 11.06%, Sherburne State BankSherburne State Bank12500 Sherburne Avenue, Becker, MN 55308A+5.0 ★Texas Ratio: 0.20%, and Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%. 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 Big Lake, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Big Lake 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 Big Lake, Minnesota
Market share is the lender's share of all home loans closed in Big Lake, 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 |
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1 office in Big Lake 19943 County Road 43 Nw, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, HELOC | 4 +6 HELOCs |
0.7% | 100% | $225,000 | View |
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1 office in Big Lake 730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 0.7% | 80% | $135,000 | View |
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1 office in Big Lake 240 Jefferson Blvd, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 3 | 0.6% | 75% | $425,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA | 25 | 4.7% | 96.3% | $291,400 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 24 +3 HELOCs |
4.5% | 82.8% | $87,083 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, Jumbo, HELOC | 21 +11 HELOCs |
3.9% | 84% | $184,523 | View |
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613 Rose Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 13 | 2.4% | 70% | $75,769 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 12 | 2.2% | 100% | $264,166 | View |
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12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 12 | 2.2% | 100% | $208,333 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA, VA, USDA | 11 | 2% | 100% | $294,090 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 11 | 2% | 68.8% | $261,363 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 9 +1 HELOCs |
1.7% | 100% | $115,000 | View |
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630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95% |
Conventional | 6 | 1.1% | 100% | $216,666 | View |
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5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 5 | 0.9% | 83.3% | $95,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +7 HELOCs |
0.7% | 50% | $137,500 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +3 HELOCs |
0.7% | 83.3% | $315,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 4 | 0.7% | 80% | $255,000 | View |
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2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 4 | 0.7% | 100% | $115,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $131,666 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 2 +7 HELOCs |
0.4% | 100% | $440,000 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, VA | 2 | 0.4% | 100% | $380,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $225,000 | View |
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13735 Round Lake Blvd NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 2 | 0.4% | 100% | $50,000 | View |
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234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $115,000 | View |
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60 Plato Blvd E, Saint Paul, MN 55107 F1.0 ★Texas Ratio: 77.33% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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110 Meeker Ave W, Eden Valley, MN 55329 A5.0 ★Texas Ratio: 9.66% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.2% | 100% | $635,000 | View |
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4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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11102 57th St Ne, Albertville, MN 55301 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
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101 Old Town Rd, Elko New Market, MN 55054 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 50% | $175,000 | View |
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201 E Main St S, Ada, MN 56510 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
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512 30th Ave E, Alexandria, MN 56308 A5.0 ★Texas Ratio: 8.08% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
My Credit Union
4025 W Old Shakopee Rd, Bloomington, MN 55437 |
Conventional | 1 | 0.2% | 100% | $275,000 | |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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321 Washburn Ave, Belgrade, MN 56312 A+5.0 ★Texas Ratio: 4.45% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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14989 Florence Trl, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Summit Mortgage Corporation
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Conventional, FHA, USDA | 10 | 1.9% | 100% | $289,000 | |
Tradition Mortgage, LLC
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Conventional | 5 | 0.9% | 100% | $369,000 | |
Cambria Financial Group
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Conventional | 2 | 0.4% | 66.7% | $205,000 | |
Bremer Bank NA
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Servion
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Conventional | 1 | 0.2% | 100% | $205,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 41 +2 HELOCs |
7.6% | 95.3% | $322,560 | |
Rocket Mortgage
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Conventional, FHA, VA | 30 | 5.6% | 82.1% | $316,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA | 27 | 5% | 100% | $332,777 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
2.8% | 93.8% | $349,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 11 | 2% | 100% | $315,000 | |
Mortgage Research Center
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VA | 10 | 1.9% | 90.9% | $339,000 | |
Everett Financial, Inc.
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Conventional, FHA | 8 | 1.5% | 100% | $413,750 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 1.5% | 56.2% | $252,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, USDA | 8 | 1.5% | 72.7% | $302,500 | |
Paramount Residential Mortgage
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Conventional, VA, USDA | 8 | 1.5% | 100% | $260,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 7 +1 HELOCs |
1.3% | 100% | $329,285 | |
Cardinal Financial Company, Li
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Conventional, FHA | 7 | 1.3% | 100% | $185,000 | |
Lower, LLC
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Conventional, FHA | 7 | 1.3% | 100% | $313,571 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 1.1% | 66.7% | $253,333 | |
loanDepot.com LLC
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Conventional | 6 | 1.1% | 87.5% | $76,666 | |
Nationstar Mortgage
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Conventional | 5 | 0.9% | 100% | $261,000 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 5 | 0.9% | 83.3% | $459,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 4 +5 HELOCs |
0.7% | 100% | $280,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 0.7% | 100% | $367,500 | |
21St Mortgage
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Conventional | 4 | 0.7% | 50% | $50,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.7% | 80% | $300,000 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 0.6% | 100% | $328,333 | |
Primelending
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Conventional | 3 | 0.6% | 100% | $228,333 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.6% | 100% | $218,333 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.6% | 100% | $191,666 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $251,666 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional, FHA | 3 | 0.6% | 100% | $335,000 | View |
Megastar Finanacial Corp
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Conventional, FHA | 3 | 0.6% | 75% | $305,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $318,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 0.6% | 100% | $365,000 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $250,000 | |
Neighborhood Loans, Inc
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Conventional | 2 | 0.4% | 28.6% | $15,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 2 | 0.4% | 50% | $320,000 | View |
Resicentral LLC
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Conventional, FHA | 2 | 0.4% | 100% | $290,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.4% | 50% | $105,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.4% | 66.7% | $385,000 | |
Nqm Funding, LLC
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Conventional, VA | 2 | 0.4% | 100% | $205,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 28.6% | $105,000 | |
Gate City Bank
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Conventional | 2 | 0.4% | 100% | $280,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 100% | $255,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 2 | 0.4% | 100% | $320,000 | View |
Navy Federal Credit Union
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Conventional, VA | 2 | 0.4% | 66.7% | $505,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $425,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.4% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $255,000 | View |
Credit Union 1
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $25,000 | |
EMM Loans LLC
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FHA | 1 | 0.2% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Goodleap, LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.2% | 100% | $415,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.2% | 50% | $375,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $685,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 33.3% | $345,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.2% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $15,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $285,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.2% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.08% |
VA | 1 | 0.2% | 100% | $385,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $315,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Toyota Financial Savings Bank
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Conventional | 1 | 0.2% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 50% | $55,000 | View |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Big Lake 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 Big Lake, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Big Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Big Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Big Lake, MN
Use these to narrow the list above. Each category shows how many Big Lake, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Big Lake, MN
Independent mortgage companies closed 56.4 percent of home loans in Big Lake, Minnesota in 2025, banks 25.9 percent and credit unions 17.7 percent. Luminate Home Loans, Inc. was the largest mortgage company, Old National Bank the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, Liberty Bank Minnesota led with 4 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 Big Lake, MN
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Big Lake, Minnesota with 4 loans, about 0.7 percent of the market. The largest lender headquartered in Minnesota was Liberty Bank Minnesota with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
39 lenders closed FHA loans in Big Lake, Minnesota in 2025, led by United Wholesale Mortgage with 15. 24 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 47 banks and 22 credit unions closed home loans in Big Lake, Minnesota in 2025, alongside 65 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 Big Lake, 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 Big Lake, 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 Big Lake. 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.
