Mortgage Lenders and Brokers in Moorhead, 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
Moorhead, Minnesota mortgage lenders include Bell BankBell Bank1333 8th St S, Moorhead, MN 56560A+5.0 ★Texas Ratio: 3.66%, Wells Fargo Bank NAWells Fargo Bank NA950 Holiday Dr, Moorhead, MN 56560A+5.0 ★Texas Ratio: 5.36%, American Federal BankAmerican Federal Bank601 Center Ave, Moorhead, MN 56560A+5.0 ★Texas Ratio: 0.00%, Northwestern Bank, NANorthwestern Bank, NA2405 8th St S, Moorhead, MN 56560A5.0 ★Texas Ratio: 8.29%, Choice Financial GroupChoice Financial Group801 Main Ave, Moorhead, MN 56560A+5.0 ★Texas Ratio: 2.70%, Old National BankOld National Bank3131 S Frontage Rd, Moorhead, MN 56560A+5.0 ★Texas Ratio: 4.98%, Valley Premier BankValley Premier Bank3004 14th St S, Moorhead, MN 56560A+5.0 ★Texas Ratio: 0.00%, US Bank, N.A.US Bank, N.A.403 Center Ave, Moorhead, MN 56560A+5.0 ★Texas Ratio: 2.85%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union403 8th St S Ste B, Moorhead, MN 56560 2813A+5.0 ★Texas Ratio: 4.41%, and Magnifi Financial Credit UnionMagnifi Financial Credit Union1002 Main Ave, Moorhead, MN 56560A+5.0 ★Texas Ratio: 1.40%. 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 Moorhead, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Moorhead 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 Moorhead, Minnesota
Market share is the lender's share of all home loans closed in Moorhead, 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 Moorhead 1333 8th St S, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 105 +27 HELOCs |
13.1% | 91.5% | $166,142 | View |
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1 office in Moorhead 950 Holiday Dr, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 16 | 2% | 94.1% | $218,125 | View |
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1 office in Moorhead 601 Center Ave, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 11 | 1.4% | 100% | $255,000 | View |
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1 office in Moorhead 2405 8th St S, Moorhead, MN 56560 A5.0 ★Texas Ratio: 8.29% |
Conventional | 5 | 0.6% | 100% | $103,000 | View |
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1 office in Moorhead 801 Main Ave, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 5 | 0.6% | 62.5% | $283,000 | View |
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1 office in Moorhead 3131 S Frontage Rd, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 4 +1 HELOCs |
0.5% | 80% | $220,000 | View |
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1 office in Moorhead 3004 14th St S, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 0.5% | 100% | $142,500 | View |
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403 Center Ave, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 22 +9 HELOCs |
2.7% | 79.3% | $206,363 | View |
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403 8th St S Ste B, Moorhead, MN 56560 2813 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 13 +3 HELOCs |
1.6% | 81.2% | $107,307 | View |
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1002 Main Ave, Moorhead, MN 56560 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 13 +3 HELOCs |
1.6% | 100% | $190,384 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 8 +7 HELOCs |
1% | 100% | $200,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA, VA | 6 | 0.7% | 66.7% | $233,333 | View |
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3313 Highway 29 S, Alexandria, MN 56308 A-5.0 ★Texas Ratio: 15.55% |
Conventional, FHA | 6 | 0.7% | 75% | $246,666 | View |
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215 Front Street South, Barnesville, MN 56514 A+5.0 ★Texas Ratio: 0.44% |
Conventional | 5 | 0.6% | 100% | $163,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 3 | 0.4% | 100% | $168,333 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 3 | 0.4% | 100% | $105,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.2% | 100% | $180,000 | View |
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202 N Main St, Badger, MN 56714 A5.0 ★Texas Ratio: 11.40% |
Conventional | 2 | 0.2% | 100% | $125,000 | View |
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1060 Paul Bunyan Dr Nw, Bemidji, MN 56601 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 2 | 0.2% | 100% | $275,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 2 | 0.2% | 100% | $175,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $225,000 | View |
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22 1st St Ne, Bagley, MN 56621 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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60 S 6th Street Suite 1275, Minneapolis, MN 55402 A5.0 ★Texas Ratio: 12.58% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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301 S State St, Fairmont, MN 56031 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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221 Main St N, Biwabik, MN 55708 A+5.0 ★Texas Ratio: 5.68% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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11102 57th St Ne, Albertville, MN 55301 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 0.1% | 100% | $675,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Cambria Financial Group
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Conventional, FHA, VA | 9 | 1.1% | 90% | $267,222 | |
Bremer Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gate City Bank
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Conventional, FHA, VA, HELOC | 136 +24 HELOCs |
17% | 88.4% | $155,514 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 48 | 6% | 87.5% | $270,416 | |
Rocket Mortgage
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Conventional, FHA, VA | 45 | 5.6% | 97.9% | $183,000 | |
Town and Country Credit Union
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Conventional, FHA, VA | 34 | 4.2% | 94.4% | $184,411 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional, FHA, VA | 28 | 3.5% | 100% | $262,500 | View |
Guild Mortgage Company
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Conventional, FHA, VA | 25 | 3.1% | 92.6% | $235,800 | |
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A5.0 ★Texas Ratio: 6.13% |
Conventional, FHA | 25 | 3.1% | 89.3% | $204,600 | View |
First Community Credit Union
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Conventional, FHA | 25 | 3.1% | 89.3% | $226,200 | |
First International Bank & Trust
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Conventional, FHA, VA, Jumbo, HELOC | 19 +6 HELOCs |
2.4% | 79.2% | $317,105 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 17 | 2.1% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 17 | 2.1% | 85% | $197,352 | |
Mortgage Research Center
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VA | 13 | 1.6% | 72.2% | $318,846 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 8 | 1% | 88.9% | $298,750 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 1% | 50% | $251,250 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 0.9% | 72.7% | $159,285 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 0.9% | 77.8% | $240,714 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 0.7% | 60% | $161,666 | |
Capital Credit Union
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Conventional, FHA, HELOC | 5 +4 HELOCs |
0.6% | 100% | $257,000 | |
First Colony Mortgage Corporat
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Conventional, FHA, VA | 5 | 0.6% | 100% | $223,000 | |
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B4.5 ★Texas Ratio: 21.20% |
Conventional | 4 | 0.5% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.5% | 100% | $142,500 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.4% | 71.4% | $268,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.4% | 100% | $241,666 | |
Guidance Residential, LLC
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Conventional | 3 | 0.4% | 100% | $241,666 | |
Nationstar Mortgage
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Conventional | 3 | 0.4% | 100% | $85,000 | |
Tomo Mortgage LLC
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Conventional | 3 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.82% |
Conventional | 2 | 0.2% | 100% | $50,000 | View |
Canopy Mortgage, LLC
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FHA | 2 | 0.2% | 100% | $220,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $265,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.2% | 66.7% | $330,000 | |
Navy Federal Credit Union
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Conventional | 2 | 0.2% | 100% | $270,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $210,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.2% | 50% | $305,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
VA, HELOC | 1 +4 HELOCs |
0.1% | 100% | $285,000 | View |
Empeople Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $275,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $635,000 | |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $225,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Nbkc Bank
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VA | 1 | 0.1% | 100% | $385,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 33.3% | $265,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.1% | 100% | $305,000 | |
Bay Equity LLC
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FHA | 1 | 0.1% | 100% | $225,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.1% | 100% | $205,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.1% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 100% | $265,000 | View |
Gardner Financial Services
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FHA | 1 | 0.1% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 50% | $215,000 | View |
Megastar Finanacial Corp
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FHA | 1 | 0.1% | 100% | $245,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.1% | 100% | $255,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.1% | 100% | $215,000 | View |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.1% | 100% | $385,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.1% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 8.08% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $135,000 | |
Village Capital & Investment
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FHA | 1 | 0.1% | 100% | $175,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.1% | 100% | $505,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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 | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Moorhead 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 Moorhead, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Moorhead? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Moorhead in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Moorhead, MN
Use these to narrow the list above. Each category shows how many Moorhead, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Moorhead, MN
Independent mortgage companies closed 35.7 percent of home loans in Moorhead, Minnesota in 2025, banks 52.1 percent and credit unions 12.2 percent. Cambria Financial Group was the largest mortgage company, Bell Bank the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA 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 Moorhead, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in Moorhead, Minnesota with 105 loans, about 13.1 percent of the market. The largest lender headquartered in Minnesota was Wells Fargo Bank NA with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Moorhead, Minnesota, Bell Bank approved the highest share of completed applications in 2025 at 91.5 percent, against a 88.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
39 lenders closed FHA loans in Moorhead, Minnesota in 2025, led by United Wholesale Mortgage with 13. 27 lenders closed VA loans, led by Mortgage Research Center, 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. 45 banks and 12 credit unions closed home loans in Moorhead, Minnesota in 2025, alongside 46 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 Moorhead, 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 Moorhead, 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 Moorhead. 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.
