Mortgage Lenders and Brokers in Cook, 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
Cook, Minnesota mortgage lenders include North Star Credit UnionNorth Star Credit Union24 S River St, Cook, MN 55723A5.0 ★Texas Ratio: 6.36%, Park State BankPark State Bank32 S River St, Cook, MN 55723A+5.0 ★Texas Ratio: 5.68%, Frandsen Bank & TrustFrandsen Bank & Trust410 2nd St W, Ada, MN 56510A+5.0 ★Texas Ratio: 5.91%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, First National Bank of GilbertFirst National Bank of Gilbert2 N Broadway Ave, Gilbert, MN 55741A+5.0 ★Texas Ratio: 1.84%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Northview BankNorthview Bank6340 Merchant St, Askov, MN 55704A+5.0 ★Texas Ratio: 3.46%, Wings Financial Credit UnionWings Financial Credit Union14985 Glazier Ave, Apple Valley, MN 55124, and North Shore Bank of CommerceNorth Shore Bank of Commerce4801 E Superior St, Duluth, MN 55804A+5.0 ★Texas Ratio: 1.35%. 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 Cook, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cook 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 Cook, Minnesota
Market share is the lender's share of all home loans closed in Cook, 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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24 S River St, Cook, MN 55723 A5.0 ★Texas Ratio: 6.36% |
Conventional | 9 | 7.8% | 100% | $80,555 | View |
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1 office in Cook 32 S River St, Cook, MN 55723 A+5.0 ★Texas Ratio: 5.68% |
Conventional | 6 | 5.2% | 87.5% | $188,333 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 8 | 6.9% | 100% | $165,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 5 +1 HELOCs |
4.3% | 83.3% | $129,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional | 3 | 2.6% | 100% | $135,000 | View |
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2 N Broadway Ave, Gilbert, MN 55741 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 2 | 1.7% | 100% | $165,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 2 | 1.7% | 66.7% | $230,000 | View |
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6340 Merchant St, Askov, MN 55704 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 2 | 1.7% | 66.7% | $585,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $605,000 | View |
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4801 E Superior St, Duluth, MN 55804 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.9% | 100% | $385,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $125,000 | View |
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22 1st St Ne, Bagley, MN 56621 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 1 | 0.9% | 100% | $295,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.9% | 50% | $325,000 | View |
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104 Avon Ave N, Avon, MN 56310 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.9% | 100% | $325,000 | View |
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2501 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 3.95% |
Conventional | 1 | 0.9% | 100% | $35,000 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.9% | 100% | $25,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Servion
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Conventional | 7 | 6% | 100% | $157,857 | |
Miners NB of Eveleth
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Conventional | 1 | 0.9% | 100% | $395,000 | |
Mpecu
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Conventional | 1 | 0.9% | 100% | $445,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 15 | 12.9% | 100% | $211,666 | |
Rocket Mortgage
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Conventional, FHA | 5 | 4.3% | 83.3% | $259,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.4% | 66.7% | $290,000 | |
Compeer Financial
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Conventional | 3 | 2.6% | 100% | $291,666 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 2.6% | 100% | $301,666 | |
Nationstar Mortgage
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Conventional | 3 | 2.6% | 75% | $285,000 | |
Mortgage Research Center
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VA | 3 | 2.6% | 100% | $331,666 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.7% | 66.7% | $385,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.7% | 100% | $475,000 | |
American Financing Corporation
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Conventional, FHA | 2 | 1.7% | 100% | $185,000 | |
Plaza Home Mortgage, Inc
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Conventional, VA | 2 | 1.7% | 100% | $215,000 | |
Premier Mortgage Resources, LLC
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VA | 1 | 0.9% | 100% | $585,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $475,000 | |
Primary Residential Mortgage, INC.
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USDA | 1 | 0.9% | 100% | $255,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $165,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.9% | 100% | $165,000 | |
Newrez LLC
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Conventional | 1 | 0.9% | 50% | $75,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $275,000 | |
Nfm, Inc
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Conventional | 1 | 0.9% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.9% | 100% | $195,000 | View |
Midwestone Bank
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Conventional | 1 | 0.9% | 100% | $285,000 | |
Intelliloan, Inc.
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VA | 1 | 0.9% | 100% | $255,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $225,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.9% | 100% | $615,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.9% | 100% | $85,000 | View |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.9% | 100% | $85,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.9% | 100% | $215,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cook 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 Cook, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Cook? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cook in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cook, MN
Use these to narrow the list above. Each category shows how many Cook, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Cook, MN
Independent mortgage companies closed 55.2 percent of home loans in Cook, Minnesota in 2025, banks 25 percent and credit unions 19.8 percent. Servion was the largest mortgage company, Park State Bank the largest bank and North Star Credit Union the largest credit union. Among lenders headquartered in Minnesota, North Star Credit Union led with 9 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 Cook, MN
By home loans closed in 2025, North Star Credit Union was the largest mortgage lender in Cook, Minnesota with 9 loans, about 7.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Cook, Minnesota in 2025, led by Rocket Mortgage with 3. 6 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 17 banks and 8 credit unions closed home loans in Cook, Minnesota in 2025, alongside 25 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 Cook, 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 Cook, 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 Cook. 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.
