Mortgage Lenders and Brokers in Esko, 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
Esko, Minnesota mortgage lenders include National Bank of CommerceNational Bank of Commerce3 Thomson Rd, Esko, MN 55733A+5.0 ★Texas Ratio: 5.00%, Members Cooperative Credit UnionMembers Cooperative Credit Union108 Minnesota Ave N, Aitkin, MN 56431 1410A5.0 ★Texas Ratio: 10.43%, Centricity Credit UnionCentricity Credit Union2501 London Rd, Duluth, MN 55812A+5.0 ★Texas Ratio: 3.95%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Northwoods Credit UnionNorthwoods Credit Union1702 Avenue B, Cloquet, MN 55720A+5.0 ★Texas Ratio: 3.53%, North Shore Bank of CommerceNorth Shore Bank of Commerce4801 E Superior St, Duluth, MN 55804A+5.0 ★Texas Ratio: 1.35%, Harbor Pointe Credit UnionHarbor Pointe Credit Union11 W 2nd St, Duluth, MN 55802 2014A5.0 ★Texas Ratio: 7.61%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, North Shore Federal Credit UnionNorth Shore Federal Credit Union2104 London Rd, Duluth, MN 55812A+5.0 ★Texas Ratio: 2.03%, and Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%. 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 Esko, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Esko 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 Esko, Minnesota
Market share is the lender's share of all home loans closed in Esko, 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 Esko 3 Thomson Rd, Esko, MN 55733 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 7 | 5.2% | 100% | $405,000 | View |
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108 Minnesota Ave N, Aitkin, MN 56431 1410 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 14 +6 HELOCs |
10.4% | 78.9% | $189,285 | View |
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2501 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 3.95% |
Conventional, HELOC | 12 +9 HELOCs |
8.9% | 100% | $146,666 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 10 +4 HELOCs |
7.4% | 91.7% | $277,000 | View |
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1702 Avenue B, Cloquet, MN 55720 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 7 | 5.2% | 100% | $63,571 | View |
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4801 E Superior St, Duluth, MN 55804 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 6 | 4.4% | 100% | $315,000 | View |
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11 W 2nd St, Duluth, MN 55802 2014 A5.0 ★Texas Ratio: 7.61% |
Conventional | 6 | 4.4% | 85.7% | $193,333 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 4 | 3% | 100% | $70,000 | View |
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2104 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 3 | 2.2% | 100% | $148,333 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.2% | 75% | $261,666 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 2 | 1.5% | 100% | $230,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1.5% | 66.7% | $400,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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2630 Bridge Ave, Albert Lea, MN 56007 A5.0 ★Texas Ratio: 12.61% |
Conventional | 1 | 0.7% | 100% | $375,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
Servion
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Conventional | 1 | 0.7% | 100% | $435,000 | |
Summit Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $305,000 | |
Mpecu
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Conventional | 1 | 0.7% | 100% | $325,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 14 | 10.4% | 82.4% | $222,857 | |
Mortgage Research Center
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VA | 5 | 3.7% | 100% | $343,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 3 | 2.2% | 100% | $538,333 | |
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A+5.0 ★Texas Ratio: 2.54% |
Conventional, VA | 3 | 2.2% | 100% | $431,666 | View |
Everett Financial, Inc.
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Conventional | 2 | 1.5% | 100% | $470,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.5% | 66.7% | $60,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 1.5% | 66.7% | $225,000 | |
Navy Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.7% | 100% | $615,000 | |
Newrez LLC
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VA | 1 | 0.7% | 100% | $665,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.7% | 100% | $285,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $415,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.7% | 50% | $365,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 100% | $105,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.7% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.7% | 100% | $435,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $305,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $55,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.7% | 100% | $705,000 | View |
Compass Mortgage, Inc.
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FHA | 1 | 0.7% | 100% | $425,000 | |
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A-5.0 ★Texas Ratio: 15.06% |
Conventional | 1 | 0.7% | 100% | $525,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.7% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.7% | 100% | $585,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 10.59% |
Conventional | 1 | 0.7% | 100% | $565,000 | View |
Superior Choice Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a |
Esko 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 Esko, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Esko? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Esko in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Esko, MN
Use these to narrow the list above. Each category shows how many Esko, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Esko, MN
Independent mortgage companies closed 35.6 percent of home loans in Esko, Minnesota in 2025, banks 28.1 percent and credit unions 36.3 percent. Servion was the largest mortgage company, National Bank of Commerce the largest bank and Members Cooperative Credit Union the largest credit union. Among lenders headquartered in Minnesota, Members Cooperative Credit Union led with 14 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 Esko, MN
By home loans closed in 2025, National Bank of Commerce was the largest mortgage lender in Esko, Minnesota with 7 loans, about 5.2 percent of the market. The largest lender headquartered in Minnesota was Members Cooperative Credit Union with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Esko, Minnesota in 2025, led by Rocket Mortgage with 2. 8 lenders closed VA loans, led by Mortgage Research Center. 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. 14 banks and 10 credit unions closed home loans in Esko, Minnesota in 2025, alongside 24 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 Esko, 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 Esko, 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 Esko. 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.
