Mortgage Lenders and Brokers in Monticello, 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
Monticello, Minnesota mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA407 Pine St, Monticello, MN 55362A+5.0 ★Texas Ratio: 5.36%, Cortrust BankCortrust Bank106 E 4th St, Monticello, MN 55362A+5.0 ★Texas Ratio: 5.11%, US Bank, N.A.US Bank, N.A.307 Pine St, Monticello, MN 55362A+5.0 ★Texas Ratio: 2.85%, Huntington National BankHuntington National Bank216 W 7th St, Monticello, MN 55362A+5.0 ★Texas Ratio: 3.66%, National Bank of CommerceNational Bank of Commerce1421 E 7th St, Monticello, MN 55362A+5.0 ★Texas Ratio: 5.00%, Liberty Bank MinnesotaLiberty Bank Minnesota1560 Hart Blvd, Monticello, MN 55362A+5.0 ★Texas Ratio: 0.00%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, Sherburne State BankSherburne State Bank1200 Highway 25 S, Monticello, MN 55362A+5.0 ★Texas Ratio: 0.20%, and Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%. 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 Monticello, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Monticello 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 Monticello, Minnesota
Market share is the lender's share of all home loans closed in Monticello, 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 Monticello 407 Pine St, Monticello, MN 55362 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1.9% | 75% | $200,000 | View |
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1 office in Monticello 106 E 4th St, Monticello, MN 55362 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 6 | 1.9% | 100% | $138,333 | View |
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1 office in Monticello 307 Pine St, Monticello, MN 55362 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +7 HELOCs |
1% | 50% | $218,333 | View |
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1 office in Monticello 216 W 7th St, Monticello, MN 55362 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
1% | 60% | $211,666 | View |
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1 office in Monticello 1421 E 7th St, Monticello, MN 55362 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 3 | 1% | 100% | $165,000 | View |
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1 office in Monticello 1560 Hart Blvd, Monticello, MN 55362 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA | 21 | 6.7% | 100% | $272,142 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 11 | 3.5% | 91.7% | $276,818 | View |
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1200 Highway 25 S, Monticello, MN 55362 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 9 | 2.9% | 90% | $142,777 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 8 +4 HELOCs |
2.6% | 75% | $80,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 7 +14 HELOCs |
2.2% | 87.5% | $60,714 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 7 | 2.2% | 77.8% | $93,571 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 4 +1 HELOCs |
1.3% | 100% | $242,500 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, HELOC | 3 +3 HELOCs |
1% | 100% | $255,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 2 +6 HELOCs |
0.6% | 100% | $245,000 | View |
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234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 2 | 0.6% | 100% | $305,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.6% | 50% | $310,000 | View |
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9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 2 | 0.6% | 100% | $105,000 | View |
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5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 2 | 0.6% | 100% | $255,000 | View |
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630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95% |
Conventional | 2 | 0.6% | 100% | $605,000 | View |
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2121 Station Pkwy NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 2 | 0.6% | 100% | $75,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $235,000 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $315,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $275,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $295,000 | View |
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40 Chestnut St W, Annandale, MN 55302 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
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10225 115th Street NE, Gilman, MN 56333 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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7667 10th St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $195,000 | 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% | $75,000 | View |
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111 Main St E, Freeport, MN 56331 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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460 Elm Street E, Annandale, MN 55302 B+4.7 ★Texas Ratio: 18.21% |
Conventional | 1 | 0.3% | 100% | $245,000 | 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 | |
Tradition Mortgage, LLC
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Conventional, VA | 3 | 1% | 100% | $341,666 | |
Bremer Bank NA
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 7.7% | 88.9% | $230,416 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +2 HELOCs |
5.8% | 95% | $310,555 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 14 | 4.5% | 100% | $246,428 | |
New American Funding, LLC.
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Conventional, FHA, VA | 9 | 2.9% | 90% | $269,444 | |
Newrez LLC
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Conventional, VA | 6 | 1.9% | 100% | $280,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 6 | 1.9% | 100% | $351,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 6 | 1.9% | 85.7% | $283,333 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 5 | 1.6% | 100% | $269,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 4 +1 HELOCs |
1.3% | 100% | $370,000 | View |
loanDepot.com LLC
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Conventional, FHA, VA | 4 | 1.3% | 100% | $245,000 | |
Gate City Bank
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Conventional | 4 | 1.3% | 100% | $175,000 | |
Lower, LLC
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Conventional, USDA | 4 | 1.3% | 100% | $260,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 1.3% | 100% | $227,500 | |
21St Mortgage
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Conventional | 4 | 1.3% | 26.7% | $97,500 | |
Paramount Residential Mortgage
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Conventional | 4 | 1.3% | 100% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 1% | 75% | $198,333 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, USDA | 3 | 1% | 50% | $185,000 | View |
Guild Mortgage Company
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Conventional | 3 | 1% | 100% | $208,333 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 1% | 100% | $251,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1% | 100% | $228,333 | |
Megastar Finanacial Corp
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Conventional | 3 | 1% | 100% | $301,666 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 1% | 100% | $195,000 | |
Everett Financial, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $360,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $320,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.6% | 100% | $270,000 | |
Equity Prime Mortgage LLC
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Conventional, VA | 2 | 0.6% | 100% | $320,000 | |
Kind Lending, LLC
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Conventional, VA | 2 | 0.6% | 66.7% | $285,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.6% | 54.5% | $80,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, USDA | 2 | 0.6% | 100% | $135,000 | View |
Union Home Mortgage Corp.
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Conventional | 2 | 0.6% | 100% | $530,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.6% | 66.7% | $240,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.6% | 100% | $205,000 | View |
Towne Mortgage Company
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USDA | 2 | 0.6% | 100% | $310,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.6% | 100% | $310,000 | View |
Zillow Home Loans, LLC
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Conventional | 2 | 0.6% | 66.7% | $280,000 | |
Navy Federal Credit Union
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Conventional | 2 | 0.6% | 100% | $55,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +2 HELOCs |
0.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $255,000 | View |
The Loan Store, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 100% | $215,000 | View |
Primelending
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.3% | 100% | $555,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Compeer Financial
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Conventional | 1 | 0.3% | 100% | $595,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $365,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.3% | 66.7% | $345,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 100% | $225,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.3% | 100% | $305,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Milend, Inc
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FHA | 1 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
Mortgage Research Center
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VA | 1 | 0.3% | 50% | $345,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $565,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 66.7% | $415,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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 | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Monticello 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 Monticello, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Monticello? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Monticello in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Monticello, MN
Use these to narrow the list above. Each category shows how many Monticello, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Monticello, MN
Independent mortgage companies closed 54 percent of home loans in Monticello, Minnesota in 2025, banks 32.3 percent and credit unions 13.7 percent. Tradition Mortgage, LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA 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 Monticello, MN
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Monticello, Minnesota with 6 loans, about 1.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Monticello, Minnesota in 2025, led by United Wholesale Mortgage with 5. 16 lenders closed VA loans, led by United Wholesale Mortgage, and 5 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. 37 banks and 15 credit unions closed home loans in Monticello, Minnesota in 2025, alongside 53 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 Monticello, 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 Monticello, 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 Monticello. 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.
