Mortgage Lenders and Brokers in Duluth, 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
Duluth, Minnesota mortgage lenders include North Shore Bank of CommerceNorth Shore Bank of Commerce4801 E Superior St, Duluth, MN 55804A+5.0 ★Texas Ratio: 1.35%, Bell BankBell Bank3501 W Arrowhead Rd, Duluth, MN 55811A+5.0 ★Texas Ratio: 3.66%, US Bank, N.A.US Bank, N.A.1337 W Arrowhead Rd, Duluth, MN 55811A+5.0 ★Texas Ratio: 2.85%, Members Cooperative Credit UnionMembers Cooperative Credit Union4628 Mike Colalillo Dr, Duluth, MN 55807 2732A5.0 ★Texas Ratio: 10.43%, Harbor Pointe Credit UnionHarbor Pointe Credit Union11 W 2nd St, Duluth, MN 55802 2014A5.0 ★Texas Ratio: 7.61%, Centricity Credit UnionCentricity Credit Union2501 London Rd, Duluth, MN 55812A+5.0 ★Texas Ratio: 3.95%, National Bank of CommerceNational Bank of Commerce306 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 5.00%, Frandsen Bank & TrustFrandsen Bank & Trust331 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 5.91%, Wells Fargo Bank NAWells Fargo Bank NA230 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 5.36%, and Park State BankPark State Bank2630 W Superior St, Duluth, MN 55806A+5.0 ★Texas Ratio: 5.68%. 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 Duluth, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Duluth 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 Duluth, Minnesota
Market share is the lender's share of all home loans closed in Duluth, 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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4 offices in Duluth 4801 E Superior St, Duluth, MN 55804 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, VA, Jumbo | 233 | 16.2% | 97.2% | $271,824 | View |
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2 offices in Duluth 3501 W Arrowhead Rd, Duluth, MN 55811 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, Jumbo, HELOC | 86 +7 HELOCs |
6% | 96.6% | $250,697 | View |
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5 offices in Duluth 1337 W Arrowhead Rd, Duluth, MN 55811 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, Jumbo, HELOC | 77 +44 HELOCs |
5.3% | 81.4% | $231,753 | View |
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4628 Mike Colalillo Dr, Duluth, MN 55807 2732 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 72 +23 HELOCs |
5% | 83% | $106,527 | View |
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11 W 2nd St, Duluth, MN 55802 2014 A5.0 ★Texas Ratio: 7.61% |
Conventional, Jumbo | 50 | 3.5% | 100% | $176,000 | View |
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2501 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 3.95% |
Conventional, HELOC | 43 +21 HELOCs |
3% | 91.5% | $69,186 | View |
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2 offices in Duluth 306 W Superior St, Duluth, MN 55802 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 27 | 1.9% | 93.1% | $207,222 | View |
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1 office in Duluth 331 W Superior St, Duluth, MN 55802 A+5.0 ★Texas Ratio: 5.91% |
Conventional, Jumbo | 21 | 1.5% | 95.5% | $218,809 | View |
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4 offices in Duluth 230 W Superior St, Duluth, MN 55802 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 20 | 1.4% | 80.8% | $265,000 | View |
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2 offices in Duluth 2630 W Superior St, Duluth, MN 55806 A+5.0 ★Texas Ratio: 5.68% |
Conventional | 18 | 1.2% | 90% | $217,222 | View |
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1 office in Duluth 1208 Kirby Dr, Duluth, MN 55812 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +2 HELOCs |
0.3% | 83.3% | $325,000 | View |
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1 office in Duluth 225 W Superior St, Duluth, MN 55802 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 0.1% | 100% | $190,000 | View |
Mpecu
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Conventional | 7 | 0.5% | 100% | $207,857 | |
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1820 Maple Grove Rd, Duluth, MN 55811 1811 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 55 +17 HELOCs |
3.8% | 85.9% | $99,363 | View |
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2104 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 44 | 3.1% | 91.7% | $234,772 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 7 +1 HELOCs |
0.5% | 100% | $437,857 | View |
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6340 Merchant St, Askov, MN 55704 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 7 | 0.5% | 100% | $166,428 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 6 +6 HELOCs |
0.4% | 87.5% | $180,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 5 | 0.3% | 100% | $197,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional | 5 | 0.3% | 100% | $231,000 | View |
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4918 Grand Ave, Duluth, MN 55807 A5.0 ★Texas Ratio: 6.36% |
Conventional | 4 | 0.3% | 100% | $152,500 | View |
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801 11th St, Two Harbors, MN 55616 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 3 | 0.2% | 100% | $61,666 | View |
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1702 Avenue B, Cloquet, MN 55720 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 3 | 0.2% | 100% | $58,333 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $275,000 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 0.1% | 100% | $230,000 | View |
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7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 2 | 0.1% | 100% | $320,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 2 | 0.1% | 100% | $190,000 | 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 | 2 | 0.1% | 100% | $210,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 2 | 0.1% | 100% | $330,000 | View |
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3313 Highway 29 S, Alexandria, MN 56308 A-5.0 ★Texas Ratio: 15.55% |
Conventional | 2 | 0.1% | 100% | $205,000 | View |
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412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.1% | 100% | $345,000 | View |
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11665 110th St, Edgerton, MN 56128 A4.7 ★Texas Ratio: 6.01% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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155 1st Ave SW, Rochester, MN 55902 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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20 Hartman Dr, Moose Lake, MN 55767 A+5.0 ★Texas Ratio: 0.52% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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1600 Monroe Drive, Carver, MN 55315 A+5.0 ★Texas Ratio: 3.53% |
Conventional, Jumbo | 1 | 0.1% | 100% | $825,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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4125 Ball Rd Ne, Blaine, MN 55014 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
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950 Highway 95 N, Bayport, MN 55003 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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7667 10th St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
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501 Glen Street Sw, Eyota, MN 55934 C-3.7 ★Texas Ratio: 31.20% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | 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, VA | 76 | 5.3% | 98.7% | $149,078 | |
Servion
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Conventional, VA | 14 | 1% | 87.5% | $226,428 | |
Tradition Mortgage, LLC
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Conventional | 4 | 0.3% | 100% | $235,000 | |
Cambria Financial Group
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VA | 1 | 0.1% | 100% | $285,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 74 | 5.1% | 80.2% | $196,486 | |
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A+5.0 ★Texas Ratio: 2.54% |
Conventional, FHA, VA | 46 | 3.2% | 100% | $273,478 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 30 | 2.1% | 86.1% | $260,000 | |
New American Funding, LLC.
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Conventional, FHA | 24 | 1.7% | 96% | $215,416 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 21 | 1.5% | 100% | $239,285 | |
Mortgage Research Center
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VA, Jumbo | 16 | 1.1% | 59.3% | $297,500 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 13 | 0.9% | 100% | $238,846 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 12 +1 HELOCs |
0.8% | 100% | $268,333 | |
Newrez LLC
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Conventional, VA | 12 | 0.8% | 63.2% | $201,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 12 | 0.8% | 80% | $211,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 10 | 0.7% | 100% | $302,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 10 | 0.7% | 91.7% | $233,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 0.7% | 100% | $184,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 8 | 0.6% | 100% | $310,000 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 0.6% | 56.2% | $112,500 | |
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A+5.0 ★Texas Ratio: 5.69% |
Conventional | 8 | 0.6% | 100% | $211,250 | View |
Alameda Mortgage Corporation
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Conventional | 7 | 0.5% | 100% | $120,714 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 0.5% | 81.8% | $233,571 | |
Triad Financial Services, Inc.
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Conventional | 7 | 0.5% | 55.3% | $63,571 | |
Superior Choice Credit Union
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Conventional, HELOC | 6 +17 HELOCs |
0.4% | 87.5% | $305,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 0.4% | 75% | $261,666 | |
Synergy One Lending, Inc.
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Conventional, FHA | 6 | 0.4% | 100% | $208,333 | |
Cardinal Financial Company, Li
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Conventional, FHA | 6 | 0.4% | 100% | $188,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 6 | 0.4% | 85.7% | $206,666 | View |
21St Mortgage
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Conventional | 6 | 0.4% | 33.3% | $60,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 5 | 0.3% | 85.7% | $379,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, FHA, HELOC | 4 +3 HELOCs |
0.3% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 4 +1 HELOCs |
0.3% | 100% | $137,500 | View |
Better Mortgage Corporation
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Conventional, HELOC | 4 +1 HELOCs |
0.3% | 100% | $412,500 | |
Resicentral LLC
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Conventional | 4 | 0.3% | 100% | $240,000 | |
Discover Bank
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Conventional | 4 | 0.3% | 50% | $65,000 | |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 4 | 0.3% | 33.3% | $97,500 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.3% | 66.7% | $122,500 | View |
Uw Credit Union
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Conventional | 3 | 0.2% | 100% | $211,666 | |
Union Home Mortgage Corp.
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Conventional | 3 | 0.2% | 100% | $178,333 | |
Nations Lending Corporation
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Conventional, FHA | 3 | 0.2% | 100% | $231,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 0.2% | 60% | $128,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 50% | $70,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.1% | 100% | $260,000 | View |
Royal United Mortgage LLC
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Conventional, VA | 2 | 0.1% | 100% | $145,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.1% | 100% | $335,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.1% | 100% | $280,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.1% | 100% | $260,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.1% | 100% | $150,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.1% | 100% | $275,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.1% | 66.7% | $240,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.1% | 100% | $185,000 | View |
Megastar Finanacial Corp
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Conventional | 2 | 0.1% | 100% | $260,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional, USDA | 2 | 0.1% | 100% | $385,000 | View |
Lower, LLC
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Conventional | 2 | 0.1% | 100% | $180,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.1% | 100% | $515,000 | View |
Paramount Residential Mortgage
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Conventional | 2 | 0.1% | 100% | $240,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.1% | 100% | $190,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.1% | 75% | $350,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.1% | 100% | $125,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.1% | 66.7% | $230,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $175,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $115,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $155,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.30% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Star USA Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
Greenstate Credit Union
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.1% | 20% | $245,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $535,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.1% | 100% | $605,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Kind Lending, LLC
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FHA | 1 | 0.1% | 50% | $265,000 | |
Compeer Financial
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Conventional | 1 | 0.1% | 100% | $355,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $405,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 0.1% | 12.5% | $245,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $185,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.1% | 100% | $435,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $565,000 | |
Sfmc, LP
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Conventional | 1 | 0.1% | 100% | $305,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Gate City Bank
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,205,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.1% | 100% | $195,000 | |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 100% | $395,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 9.74% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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A+5.0 ★Texas Ratio: 1.41% |
VA | 1 | 0.1% | 100% | $265,000 | View |
Gardner Financial Services
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Conventional | 1 | 0.1% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
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A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.1% | 100% | $595,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.1% | 100% | $835,000 | View |
Purdue Federal Cu
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 50% | $205,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Northrop Grumman Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $725,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.1% | 100% | $775,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.1% | 25% | $145,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.1% | 100% | $565,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.1% | 100% | $235,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 66.7% | $215,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +9 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Duluth 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 Duluth, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Duluth? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Duluth in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Duluth, MN
Use these to narrow the list above. Each category shows how many Duluth, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Duluth, MN
Independent mortgage companies closed 36.1 percent of home loans in Duluth, Minnesota in 2025, banks 40.6 percent and credit unions 23.3 percent. Luminate Home Loans, Inc. was the largest mortgage company, North Shore Bank of Commerce the largest bank and Members Cooperative Credit Union the largest credit union. Among lenders headquartered in Minnesota, North Shore Bank of Commerce led with 233 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 Duluth, MN
By home loans closed in 2025, North Shore Bank of Commerce was the largest mortgage lender in Duluth, Minnesota with 233 loans, about 16.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Duluth, Minnesota, Harbor Pointe Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 87.8 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.
34 lenders closed FHA loans in Duluth, Minnesota in 2025, led by North Shore Bank of Commerce with 10. 30 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. 63 banks and 29 credit unions closed home loans in Duluth, Minnesota in 2025, alongside 82 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 Duluth, 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 Duluth, 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 Duluth. 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.
