Mortgage Lenders and Brokers in Howard Lake, Minnesota
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Howard Lake, Minnesota mortgage lenders include Citizens Alliance BankCitizens Alliance Bank900 6th St, Howard Lake, MN 55349A5.0 ★Texas Ratio: 10.53%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, Cortrust BankCortrust Bank2850 Cutters Grove Ave, Anoka, MN 55303A+5.0 ★Texas Ratio: 5.11%, Merchants Bank, National AssociationMerchants Bank, National Association7300 147th St W, Apple Valley, MN 55124A+5.0 ★Texas Ratio: 3.28%, Luminate BankLuminate Bank208 W Front St, Claremont, MN 55924A5.0 ★Texas Ratio: 11.06%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, St. Cloud Financial Credit UnionSt. Cloud Financial Credit Union5600 La Centre Ave Ste 100, Albertville, MN 55301 4018A+5.0 ★Texas Ratio: 3.54%, Sharepoint Credit UnionSharepoint Credit Union13735 Round Lake Blvd NW, Andover, MN 55304A+5.0 ★Texas Ratio: 5.40%, and Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%. 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 Howard Lake, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Howard 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 Howard Lake, Minnesota
Market share is the lender's share of all home loans closed in Howard 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 |
|---|---|---|---|---|---|---|
|
1 office in Howard Lake 900 6th St, Howard Lake, MN 55349 A5.0 ★Texas Ratio: 10.53% |
Conventional | 6 | 5.4% | 87.5% | $365,000 | View |
|
1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 3 +1 HELOCs |
2.7% | 100% | $278,333 | View |
|
10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 3 +1 HELOCs |
2.7% | 75% | $345,000 | View |
|
2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 3 | 2.7% | 100% | $111,666 | View |
|
7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 2 +2 HELOCs |
1.8% | 100% | $190,000 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 1.8% | 100% | $225,000 | View |
|
1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 2 | 1.8% | 75% | $60,000 | View |
|
5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 2 | 1.8% | 100% | $105,000 | View |
|
13735 Round Lake Blvd NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 2 | 1.8% | 100% | $90,000 | View |
|
2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 50% | $145,000 | View |
|
14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $325,000 | View |
|
234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.9% | 100% | $375,000 | View |
|
22 1st St Ne, Bagley, MN 56621 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 1 | 0.9% | 100% | $325,000 | View |
|
40 Chestnut St W, Annandale, MN 55302 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
|
7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.9% | 100% | $215,000 | View |
|
122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 33.3% | $405,000 | View |
|
7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.9% | 100% | $445,000 | View |
|
7101 West 78th Street, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.9% | 100% | $225,000 | View |
|
331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tradition Mortgage, LLC
|
Conventional, FHA | 3 | 2.7% | 100% | $351,666 | |
Summit Mortgage Corporation
|
FHA | 1 | 0.9% | 100% | $275,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, USDA | 9 | 8.1% | 100% | $245,000 | |
Rocket Mortgage
|
Conventional | 6 | 5.4% | 85.7% | $141,666 | |
|
A+5.0 ★Texas Ratio: 5.11% |
Conventional, FHA | 4 | 3.6% | 66.7% | $227,500 | View |
Fairway Independent Mort Corp
|
Conventional | 4 | 3.6% | 100% | $255,000 | |
Primelending
|
Conventional | 3 | 2.7% | 100% | $201,666 | |
loanDepot.com LLC
|
Conventional | 3 | 2.7% | 100% | $91,666 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 3 | 2.7% | 100% | $181,666 | |
New American Funding, LLC.
|
Conventional, FHA | 3 | 2.7% | 100% | $328,333 | |
Spring Eq, LLC
|
Conventional | 3 | 2.7% | 100% | $85,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 2 | 1.8% | 100% | $330,000 | |
Guaranteed Rate, Inc.
|
Conventional, VA | 2 | 1.8% | 100% | $315,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 2 | 1.8% | 100% | $340,000 | |
Compeer Financial
|
Conventional | 2 | 1.8% | 100% | $410,000 | |
American Pacific Mortgage Corporation
|
Conventional, VA | 2 | 1.8% | 100% | $265,000 | |
|
A5.0 ★Texas Ratio: 7.43% |
Conventional | 2 | 1.8% | 100% | $255,000 | View |
Florida Capital Bank, N.A
|
Conventional | 2 | 1.8% | 100% | $215,000 | |
Paramount Residential Mortgage
|
Conventional, FHA | 2 | 1.8% | 100% | $115,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 2 | 1.8% | 100% | $260,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 2 | 1.8% | 100% | $115,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.9% | 100% | $245,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 0.9% | 100% | $195,000 | |
Go Mortgage, LLC
|
Conventional | 1 | 0.9% | 100% | $315,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 0.9% | 100% | $215,000 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 0.9% | 100% | $415,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.9% | 100% | $275,000 | |
Planet Home Lending, LLC
|
Conventional | 1 | 0.9% | 100% | $245,000 | |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.9% | 100% | $345,000 | View |
Nationstar Mortgage
|
Conventional | 1 | 0.9% | 100% | $375,000 | |
Mortgage Research Center
|
VA | 1 | 0.9% | 100% | $365,000 | |
Megastar Finanacial Corp
|
VA | 1 | 0.9% | 100% | $235,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.9% | 100% | $95,000 | |
Navy Federal Credit Union
|
VA | 1 | 0.9% | 100% | $335,000 | |
Loan Simple, Inc.
|
FHA | 1 | 0.9% | 100% | $375,000 | |
|
A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.9% | 100% | $225,000 | View |
|
★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Howard 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 Howard Lake, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Howard Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Howard Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Howard Lake, MN
Use these to narrow the list above. Each category shows how many Howard Lake, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Howard Lake, MN
Independent mortgage companies closed 56.8 percent of home loans in Howard Lake, Minnesota in 2025, banks 30.6 percent and credit unions 12.6 percent. Tradition Mortgage, LLC was the largest mortgage company, Citizens Alliance Bank the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, Citizens Alliance Bank led with 6 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 Howard Lake, MN
By home loans closed in 2025, Citizens Alliance Bank was the largest mortgage lender in Howard Lake, Minnesota with 6 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Howard Lake, Minnesota in 2025, led by Luminate Bank with 1. 8 lenders closed VA loans, led by United Wholesale Mortgage, 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. 20 banks and 10 credit unions closed home loans in Howard Lake, Minnesota in 2025, alongside 29 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 Howard 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 Howard 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 Howard 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.
