Mortgage Lenders and Brokers in Bird Island, 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
Bird Island, Minnesota mortgage lenders include Frandsen Bank & TrustFrandsen Bank & Trust205 Main St S, Bird Island, MN 55310A+5.0 ★Texas Ratio: 5.91%, HomeTown BankHomeTown Bank1600 Monroe Drive, Carver, MN 55315A+5.0 ★Texas Ratio: 3.53%, Building Trades Federal Credit UnionBuilding Trades Federal Credit Union9741 Lyndale Ave S, Bloomington, MN 55420A+5.0 ★Texas Ratio: 1.58%, Topline Financial Credit UnionTopline Financial Credit Union900 American Blvd W, Bloomington, MN 55420A5.0 ★Texas Ratio: 6.54%, Northeast BankNortheast Bank200 Coon Rapids Blvd Nw, Coon Rapids, MN 55433A+5.0 ★Texas Ratio: 2.50%, Citizens Alliance BankCitizens Alliance Bank55 1st St Nw, Clara City, MN 56222A5.0 ★Texas Ratio: 10.53%, Citizens Bank MinnesotaCitizens Bank Minnesota102 S Broadway, La Salle, MN 56056A+5.0 ★Texas Ratio: 0.16%, ServionServionNew Brighton, MN, United Wholesale Mortgage, and loanDepot.com LLC. 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 Bird Island, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bird Island 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 Bird Island, Minnesota
Market share is the lender's share of all home loans closed in Bird Island, 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 Bird Island 205 Main St S, Bird Island, MN 55310 A+5.0 ★Texas Ratio: 5.91% |
Conventional, USDA | 4 | 12.9% | 100% | $97,500 | View |
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1600 Monroe Drive, Carver, MN 55315 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 9 | 29% | 90% | $92,777 | View |
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9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 3.2% | 100% | $35,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional | 1 | 3.2% | 100% | $115,000 | View |
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200 Coon Rapids Blvd Nw, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 1 | 3.2% | 100% | $105,000 | View |
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55 1st St Nw, Clara City, MN 56222 A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 3.2% | 100% | $55,000 | View |
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102 S Broadway, La Salle, MN 56056 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 3.2% | 100% | $95,000 | View |
Servion
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FHA | 1 | 3.2% | 100% | $105,000 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 9.7% | 100% | $208,333 | |
loanDepot.com LLC
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Conventional | 3 | 9.7% | 75% | $91,666 | |
Rocket Mortgage
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Conventional, FHA | 2 | 6.5% | 66.7% | $140,000 | |
Mortgage Research Center
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VA | 2 | 6.5% | 100% | $150,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 3.2% | 100% | $165,000 | |
Paramount Residential Mortgage
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USDA | 1 | 3.2% | 100% | $175,000 |
Bird Island 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 Bird Island, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Bird Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bird Island in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bird Island, MN
Use these to narrow the list above. Each category shows how many Bird Island, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Bird Island, MN
Independent mortgage companies closed 41.9 percent of home loans in Bird Island, Minnesota in 2025, banks 51.6 percent and credit unions 6.5 percent. Servion was the largest mortgage company, Frandsen Bank & Trust the largest bank and Building Trades Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Frandsen Bank & Trust 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 Bird Island, MN
By home loans closed in 2025, Frandsen Bank & Trust was the largest mortgage lender in Bird Island, Minnesota with 4 loans, about 12.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Bird Island, Minnesota in 2025, led by Servion with 1. 2 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 5 banks and 2 credit unions closed home loans in Bird Island, Minnesota in 2025, alongside 7 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 Bird Island, 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 Bird Island, 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 Bird Island. 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.
