Mortgage Lenders and Brokers in Oak Park Heights, 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
Oak Park Heights, Minnesota mortgage lenders include Huntington National BankHuntington National Bank5850 Neal Ave N, Oak Park Heights, MN 55082A+5.0 ★Texas Ratio: 3.66%, First State Bank and TrustFirst State Bank and Trust5590 Norwich Pkwy, Oak Park Heights, MN 55082A+5.0 ★Texas Ratio: 0.25%, Bank of America NABank of America NA5990 Nova Scotia Avenue North, Oak Park Heights, MN 55082A+5.0 ★Texas Ratio: 4.14%, 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%, Lake Elmo BankLake Elmo Bank5600 Norwich Pkwy, Oak Park Heights, MN 55082A5.0 ★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%, Old National BankOld National Bank101 Minnesota Ave N, Aitkin, MN 56431A+5.0 ★Texas Ratio: 4.98%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, and Ideal Credit UnionIdeal Credit Union3225 Denmark Ave, Eagan, MN 55121 1382A+5.0 ★Texas Ratio: 5.61%. 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 Oak Park Heights, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Park Heights 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 Oak Park Heights, Minnesota
Market share is the lender's share of all home loans closed in Oak Park Heights, 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 Oak Park Heights 5850 Neal Ave N, Oak Park Heights, MN 55082 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 4 | 3% | 80% | $990,000 | View |
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2 offices in Oak Park Heights 5590 Norwich Pkwy, Oak Park Heights, MN 55082 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 2 | 1.5% | 66.7% | $350,000 | View |
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1 office in Oak Park Heights 5990 Nova Scotia Avenue North, Oak Park Heights, MN 55082 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 12 +2 HELOCs |
9.1% | 92.3% | $339,166 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 7 +1 HELOCs |
5.3% | 100% | $210,714 | View |
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5600 Norwich Pkwy, Oak Park Heights, MN 55082 A5.0 ★Texas Ratio: 7.45% |
Conventional | 7 | 5.3% | 87.5% | $242,142 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 7 | 5.3% | 100% | $159,285 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
4.5% | 100% | $780,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +6 HELOCs |
3.8% | 62.5% | $305,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 4 +5 HELOCs |
3% | 100% | $172,500 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 4 +3 HELOCs |
3% | 80% | $315,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 3 +3 HELOCs |
2.3% | 100% | $338,333 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, VA | 3 | 2.3% | 100% | $418,333 | View |
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21450 Forest Blvd N, Forest Lake, MN 55025 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 3 | 2.3% | 100% | $171,666 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 1.5% | 66.7% | $495,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 1 +3 HELOCs |
0.8% | 100% | $785,000 | View |
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234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.8% | 100% | $35,000 | View |
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630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95% |
Conventional | 1 | 0.8% | 100% | $475,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.8% | 100% | $765,000 | View |
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7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.8% | 100% | $205,000 | 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 | 0.8% | 50% | $125,000 | View |
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15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7701 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tradition Mortgage, LLC
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Conventional | 2 | 1.5% | 100% | $160,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 5 | 3.8% | 100% | $505,000 | |
Fairway Independent Mort Corp
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Conventional | 4 | 3% | 100% | $457,500 | |
United Wholesale Mortgage
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Conventional, HELOC | 3 +1 HELOCs |
2.3% | 75% | $521,666 | |
Rocket Mortgage
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Conventional | 3 | 2.3% | 60% | $178,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 3 | 2.3% | 100% | $251,666 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 1.5% | 100% | $175,000 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.5% | 100% | $250,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 1.5% | 100% | $205,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 1.5% | 100% | $490,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 100% | $225,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.5% | 100% | $285,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.5% | 100% | $450,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 1.5% | 100% | $880,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.8% | 100% | $335,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.8% | 100% | $245,000 | |
Newrez LLC
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.8% | 100% | $365,000 | |
loanDepot.com LLC
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FHA | 1 | 0.8% | 66.7% | $265,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.8% | 100% | $935,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.8% | 100% | $525,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.8% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
Altra Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $175,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $385,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.8% | 100% | $115,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.8% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
Paramount Residential Mortgage
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,265,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Midwestone Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Westconsin Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Oak Park Heights 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 Oak Park Heights, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Oak Park Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Park Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Park Heights, MN
Use these to narrow the list above. Each category shows how many Oak Park Heights, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Park Heights, MN
Independent mortgage companies closed 35.6 percent of home loans in Oak Park Heights, Minnesota in 2025, banks 42.4 percent and credit unions 22 percent. Tradition Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and Trustone Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, First State Bank and Trust 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 Oak Park Heights, MN
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Oak Park Heights, Minnesota with 4 loans, about 3 percent of the market. The largest lender headquartered in Minnesota was First State Bank and Trust with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Oak Park Heights, Minnesota in 2025, led by loanDepot.com LLC with 1. 3 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. 25 banks and 12 credit unions closed home loans in Oak Park Heights, Minnesota in 2025, alongside 28 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 Oak Park Heights, 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 Oak Park Heights, 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 Oak Park Heights. 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.
