Mortgage Lenders and Brokers in Lake St. Croix Beach, 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
Lake St. Croix Beach, Minnesota mortgage lenders include Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, 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%, Lake Elmo BankLake Elmo Bank11020 39th St N, Lake Elmo, MN 55042A5.0 ★Texas Ratio: 7.45%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%, First State Bank and TrustFirst State Bank and Trust950 Highway 95 N, Bayport, MN 55003A+5.0 ★Texas Ratio: 0.25%, Wings Financial Credit UnionWings Financial Credit Union14985 Glazier Ave, Apple Valley, MN 55124, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA15103 Cedar Ave, Apple Valley, MN 55124A+5.0 ★Texas Ratio: 3.68%, and Old National BankOld National Bank101 Minnesota Ave N, Aitkin, MN 56431A+5.0 ★Texas Ratio: 4.98%. 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 Lake St. Croix Beach, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake St. Croix Beach 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 Lake St. Croix Beach, Minnesota
Market share is the lender's share of all home loans closed in Lake St. Croix Beach, 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 | 4 | 5.7% | 100% | $390,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +6 HELOCs |
2.9% | 100% | $260,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 2 +2 HELOCs |
2.9% | 100% | $230,000 | View |
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11020 39th St N, Lake Elmo, MN 55042 A5.0 ★Texas Ratio: 7.45% |
Conventional, Jumbo | 2 | 2.9% | 100% | $845,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 2 | 2.9% | 100% | $195,000 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.9% | 100% | $360,000 | View |
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950 Highway 95 N, Bayport, MN 55003 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 2 | 2.9% | 100% | $240,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 1 +2 HELOCs |
1.4% | 100% | $335,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.4% | 100% | $265,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.4% | 100% | $245,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
VA | 1 | 1.4% | 100% | $565,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 1 | 1.4% | 100% | $55,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Summit Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $355,000 | |
Bremer Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional | 5 | 7.1% | 100% | $127,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 4 +1 HELOCs |
5.7% | 100% | $255,000 | View |
Nationstar Mortgage
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Conventional, FHA | 4 | 5.7% | 100% | $200,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
2.9% | 100% | $465,000 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 2.9% | 100% | $540,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 2.9% | 75% | $425,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 2.9% | 100% | $350,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 2.9% | 100% | $60,000 | |
Westconsin Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $205,000 | |
Altra Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $375,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.4% | 100% | $185,000 | |
Goodleap, LLC
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VA | 1 | 1.4% | 100% | $265,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $285,000 | |
Newrez LLC
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Conventional | 1 | 1.4% | 50% | $385,000 | |
Nbkc Bank
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FHA | 1 | 1.4% | 100% | $345,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.4% | 100% | $555,000 | |
Resicentral LLC
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Conventional | 1 | 1.4% | 100% | $195,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 1.4% | 100% | $285,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.4% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
Cmg Mortgage Inc
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FHA | 1 | 1.4% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 1.4% | 100% | $215,000 | View |
Mortgage Research Center
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VA | 1 | 1.4% | 100% | $475,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.4% | 100% | $305,000 | |
New American Funding, LLC.
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FHA | 1 | 1.4% | 100% | $425,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 1.4% | 100% | $135,000 | View |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.4% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 1.4% | 100% | $435,000 | View |
Florida Capital Bank, N.A
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Conventional | 1 | 1.4% | 100% | $305,000 | |
Navy Federal Credit Union
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Conventional | 1 | 1.4% | 100% | $495,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.4% | 100% | $125,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.4% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lake St. Croix Beach 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 Lake St. Croix Beach, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Lake St. Croix Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake St. Croix Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake St. Croix Beach, MN
Use these to narrow the list above. Each category shows how many Lake St. Croix Beach, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Lake St. Croix Beach, MN
Independent mortgage companies closed 50 percent of home loans in Lake St. Croix Beach, Minnesota in 2025, banks 31.4 percent and credit unions 18.6 percent. Summit Mortgage Corporation was the largest mortgage company, Bell Bank the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, Blaze Credit Union led with 2 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 Lake St. Croix Beach, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in Lake St. Croix Beach, Minnesota with 4 loans, about 5.7 percent of the market. The largest lender headquartered in Minnesota was Blaze Credit Union with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Lake St. Croix Beach, Minnesota in 2025, led by Nationstar Mortgage with 1. 5 lenders closed VA loans, led by Granite Bank. 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. 18 banks and 8 credit unions closed home loans in Lake St. Croix Beach, 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 Lake St. Croix Beach, 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 Lake St. Croix Beach, 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 Lake St. Croix Beach. 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.
