Mortgage Lenders and Brokers in Finland, 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
Finland, Minnesota mortgage lenders include North Shore Federal Credit UnionNorth Shore Federal Credit Union2104 London Rd, Duluth, MN 55812A+5.0 ★Texas Ratio: 2.03%, Frandsen Bank & TrustFrandsen Bank & Trust410 2nd St W, Ada, MN 56510A+5.0 ★Texas Ratio: 5.91%, Ely Area Credit UnionEly Area Credit Union24 Commerce Rd, Babbitt, MN 55706A+5.0 ★Texas Ratio: 0.28%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Two Harbors FCUTwo Harbors FCU801 11th St, Two Harbors, MN 55616A+5.0 ★Texas Ratio: 0.32%, Old National BankOld National Bank101 Minnesota Ave N, Aitkin, MN 56431A+5.0 ★Texas Ratio: 4.98%, National Bank of CommerceNational Bank of Commerce22 1st St Ne, Bagley, MN 56621A+5.0 ★Texas Ratio: 5.00%, Huntington National BankHuntington National Bank405 E Main St, Anoka, MN 55303A+5.0 ★Texas Ratio: 3.66%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, and Northview BankNorthview Bank6340 Merchant St, Askov, MN 55704A+5.0 ★Texas Ratio: 3.46%. 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 Finland, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Finland 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 Finland, Minnesota
Market share is the lender's share of all home loans closed in Finland, 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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2104 London Rd, Duluth, MN 55812 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 16 | 27.1% | 100% | $161,875 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional, Jumbo | 7 | 11.9% | 100% | $182,142 | View |
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24 Commerce Rd, Babbitt, MN 55706 A+5.0 ★Texas Ratio: 0.28% |
Conventional | 5 | 8.5% | 100% | $149,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
3.4% | 100% | $30,000 | View |
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801 11th St, Two Harbors, MN 55616 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 2 | 3.4% | 100% | $50,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.7% | 100% | $445,000 | View |
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22 1st St Ne, Bagley, MN 56621 A+5.0 ★Texas Ratio: 5.00% |
Conventional, Jumbo | 1 | 1.7% | 100% | $875,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.7% | 50% | $655,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 1 | 1.7% | 100% | $705,000 | View |
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6340 Merchant St, Askov, MN 55704 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 1 | 1.7% | 50% | $125,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 1 | 1.7% | 100% | $135,000 | View |
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411 N Main St, Altura, MN 55910 A-4.7 ★Texas Ratio: 9.93% |
Conventional | 1 | 1.7% | 100% | $245,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 1.7% | 100% | $105,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 5.1% | 100% | $298,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 3 | 5.1% | 75% | $345,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 3.4% | 100% | $785,000 | |
loanDepot.com LLC
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Conventional | 2 | 3.4% | 66.7% | $235,000 | |
American Airlines Federal Cred
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Conventional | 1 | 1.7% | 100% | $625,000 | |
Everett Financial, Inc.
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Conventional | 1 | 1.7% | 100% | $455,000 | |
Newrez LLC
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Conventional | 1 | 1.7% | 100% | $455,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 1.7% | 100% | $345,000 | |
Compeer Financial
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Conventional | 1 | 1.7% | 100% | $565,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.7% | 100% | $315,000 | View |
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A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 1.7% | 100% | $715,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 1.7% | 100% | $725,000 | View |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Finland 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 Finland, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Finland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Finland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Finland, MN
Use these to narrow the list above. Each category shows how many Finland, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Finland, MN
Independent mortgage companies closed 25.4 percent of home loans in Finland, Minnesota in 2025, banks 28.8 percent and credit unions 45.8 percent. United Wholesale Mortgage was the largest mortgage company, Frandsen Bank & Trust the largest bank and North Shore Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, North Shore Federal Credit Union led with 16 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 Finland, MN
By home loans closed in 2025, North Shore Federal Credit Union was the largest mortgage lender in Finland, Minnesota with 16 loans, about 27.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Finland, Minnesota in 2025, led by United Wholesale Mortgage with 1. 2 lenders closed VA loans, led by Rocket Mortgage. 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. 10 banks and 10 credit unions closed home loans in Finland, Minnesota in 2025, alongside 9 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 Finland, 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 Finland, 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 Finland. 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.
