Mortgage Lenders and Brokers in Ham Lake, 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
Ham Lake, Minnesota mortgage lenders include Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, Alerus Financial NAAlerus Financial NA143 W Clark St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 3.32%, Huntington National BankHuntington National Bank405 E Main St, Anoka, MN 55303A+5.0 ★Texas Ratio: 3.66%, Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%, and Highland BankHighland Bank11800 Aberdeen St Ne, Blaine, MN 55449C+4.1 ★Texas Ratio: 26.29%. 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 Ham Lake, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ham Lake 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 Ham Lake, Minnesota
Market share is the lender's share of all home loans closed in Ham Lake, 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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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, Jumbo, HELOC | 27 +6 HELOCs |
8.8% | 96.4% | $437,592 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 15 +5 HELOCs |
4.9% | 94.1% | $143,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 15 +2 HELOCs |
4.9% | 88.2% | $137,666 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, VA | 9 | 2.9% | 100% | $416,111 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 7 +11 HELOCs |
2.3% | 100% | $135,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 6 +7 HELOCs |
1.9% | 88.9% | $178,333 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 6 +1 HELOCs |
1.9% | 100% | $343,333 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 5 +10 HELOCs |
1.6% | 71.4% | $301,000 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1% | 100% | $265,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 3 | 1% | 80% | $111,666 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional, Jumbo | 3 | 1% | 100% | $695,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 0.6% | 100% | $450,000 | View |
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2121 Station Pkwy NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 2 | 0.6% | 100% | $170,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 2 | 0.6% | 100% | $275,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $25,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,325,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
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4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.3% | 50% | $55,000 | View |
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13735 Round Lake Blvd NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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7641 Lake Dr, Lino Lakes, MN 55014 A5.0 ★Texas Ratio: 9.19% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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147 Central Ave S, Brooten, MN 56316 A+5.0 ★Texas Ratio: 0.59% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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11055 61st St Ne, Albertville, MN 55301 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
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950 Highway 95 N, Bayport, MN 55003 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,035,000 | View |
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7667 10th St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $565,000 | 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 | 1 | 0.3% | 100% | $35,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,235,000 | View |
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242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
HELOC | 0 +6 HELOCs |
0% | 0% | View | |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Summit Mortgage Corporation
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Conventional, VA | 4 | 1.3% | 100% | $460,000 | |
Servion
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Conventional | 2 | 0.6% | 100% | $255,000 | |
Tradition Mortgage, LLC
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Conventional | 2 | 0.6% | 100% | $445,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 21 | 6.8% | 88% | $367,857 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 13 +1 HELOCs |
4.2% | 73.7% | $403,461 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 13 | 4.2% | 100% | $429,615 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 10 | 3.2% | 84.6% | $572,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 7 | 2.3% | 100% | $487,857 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 6 +3 HELOCs |
1.9% | 100% | $475,000 | View |
Newrez LLC
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Conventional, VA | 5 | 1.6% | 100% | $381,000 | |
Mortgage Research Center
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Conventional, VA | 5 | 1.6% | 55.6% | $497,000 | |
Union Home Mortgage Corp.
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.3% | 100% | $532,500 | |
New American Funding, LLC.
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Conventional, HELOC | 4 +1 HELOCs |
1.3% | 100% | $445,000 | |
Cmg Mortgage Inc
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Conventional, Jumbo | 4 | 1.3% | 100% | $747,500 | |
Nations Direct Mortgage, LLC
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Conventional, FHA, VA | 4 | 1.3% | 100% | $360,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 4 | 1.3% | 80% | $370,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1.3% | 80% | $322,500 | |
Kind Lending, LLC
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Conventional | 3 | 1% | 100% | $498,333 | |
Triad Financial Services, Inc.
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Conventional | 3 | 1% | 36.4% | $75,000 | |
Guild Mortgage Company
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Conventional, VA | 3 | 1% | 100% | $381,666 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 1% | 100% | $358,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 2 | 0.6% | 66.7% | $680,000 | View |
Everett Financial, Inc.
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Conventional, Jumbo | 2 | 0.6% | 100% | $770,000 | |
Resicentral LLC
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Conventional | 2 | 0.6% | 100% | $525,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.6% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 75% | $155,000 | View |
Chartwell Financial, LLC
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Conventional | 2 | 0.6% | 66.7% | $80,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 0.6% | 100% | $530,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 100% | $610,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 0.6% | 100% | $485,000 | View |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.6% | 100% | $160,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 2 | 0.6% | 100% | $470,000 | View |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.6% | 66.7% | $505,000 | |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 0.6% | 50% | $50,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 66.7% | $80,000 | View |
Paramount Residential Mortgage
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,380,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $395,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $525,000 | View |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $615,000 | |
Lower, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.3% | 66.7% | $305,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,455,000 | View |
Obsidian Financial Services
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Conventional, Jumbo | 1 | 0.3% | 100% | $895,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $105,000 | |
Credit Union One
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Conventional | 1 | 0.3% | 100% | $585,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
T2 Financial LLC
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Conventional | 1 | 0.3% | 100% | $575,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.3% | 100% | $335,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $815,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $175,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $305,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $245,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 50% | $805,000 | View |
Goprime Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.69% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
JMAC Lending, Inc.
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FHA | 1 | 0.3% | 100% | $325,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Connexus Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Genisys Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ham Lake 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 Ham Lake, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Ham Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ham Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ham Lake, MN
Use these to narrow the list above. Each category shows how many Ham Lake, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Ham Lake, MN
Independent mortgage companies closed 50 percent of home loans in Ham Lake, Minnesota in 2025, banks 30.5 percent and credit unions 19.5 percent. Summit Mortgage Corporation was the largest mortgage company, Bell Bank the largest bank and Trustone Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Trustone Financial Credit Union led with 15 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 Ham Lake, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in Ham Lake, Minnesota with 27 loans, about 8.8 percent of the market. The largest lender headquartered in Minnesota was Trustone Financial Credit Union with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Ham Lake, Minnesota in 2025, led by Rocket Mortgage with 6. 21 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. 38 banks and 23 credit unions closed home loans in Ham Lake, Minnesota in 2025, alongside 51 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 Ham Lake, 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 Ham Lake, 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 Ham Lake. 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.
