Oakdale, Minnesota mortgage lenders include Lake Elmo BankLake Elmo Bank8132 And 8133 Fourth Street North, Oakdale, MN 55128A5.0 ★Texas Ratio: 7.45%, Novation Credit UnionNovation Credit Union500 Imperial Ave N, Oakdale, MN 55128 7151A+5.0 ★Texas Ratio: 4.19%, Associated Bank NAAssociated Bank NA7760 France Ave S, Bloomington, MN 55435A+5.0 ★Texas Ratio: 3.45%, Alerus Financial NAAlerus Financial NA990 Helena Ave N, Oakdale, MN 55128A+5.0 ★Texas Ratio: 3.32%, 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%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Trustone Financial Credit UnionTrustone Financial Credit Union7860 32nd St N, Oakdale, MN 55128A+5.0 ★Texas Ratio: 4.56%, 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 Oakdale, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakdale 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.
Market share is the lender's share of all home loans closed in Oakdale, 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 |
|---|---|---|---|---|---|---|
|
3 offices in Oakdale 8132 And 8133 Fourth Street North, Oakdale, MN 55128 A5.0 ★Texas Ratio: 7.45% |
Conventional | 6 | 1% | 100% | $175,000 | View |
|
500 Imperial Ave N, Oakdale, MN 55128 7151 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 3 | 0.5% | 100% | $115,000 | View |
|
1 office in Oakdale 7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 3 | 0.5% | 100% | $251,666 | View |
|
1 office in Oakdale 990 Helena Ave N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $140,000 | View |
|
1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 34 +2 HELOCs |
5.7% | 94.4% | $232,352 | View |
|
10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 27 +4 HELOCs |
4.5% | 85.3% | $185,000 | View |
|
1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 16 +2 HELOCs |
2.7% | 69.6% | $90,625 | View |
|
7860 32nd St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 4.56% |
Conventional, FHA, HELOC | 14 +6 HELOCs |
2.3% | 84.2% | $197,142 | View |
|
331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 13 +7 HELOCs |
2.2% | 72.2% | $185,769 | View |
|
3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 10 +14 HELOCs |
1.7% | 100% | $127,000 | View |
|
122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 7 | 1.2% | 87.5% | $206,428 | View |
|
11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 6 | 1% | 85.7% | $196,666 | View |
|
950 Highway 95 N, Bayport, MN 55003 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 6 | 1% | 100% | $258,333 | View |
|
405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +7 HELOCs |
0.7% | 100% | $267,500 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 4 | 0.7% | 100% | $237,500 | View |
|
14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 3 +3 HELOCs |
0.5% | 100% | $295,000 | View |
|
★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52% |
Conventional | 3 | 0.5% | 50% | $155,000 | View |
|
101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $215,000 | View |
|
7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $295,000 | View |
|
234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 2 | 0.3% | 100% | $370,000 | View |
|
4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 2 | 0.3% | 100% | $40,000 | View |
|
1230 4th St S, Cannon Falls, MN 55009 A5.0 ★Texas Ratio: 7.12% |
Conventional | 2 | 0.3% | 100% | $230,000 | View |
|
2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 2 | 0.3% | 100% | $105,000 | View |
|
11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 0.3% | 100% | $245,000 | View |
|
900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $75,000 | View |
|
14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $335,000 | View |
|
60 Plato Blvd E, Saint Paul, MN 55107 F1.0 ★Texas Ratio: 77.33% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
|
15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $265,000 | View |
|
15 Minnesota Ave S, Aitkin, MN 56431 B4.5 ★Texas Ratio: 21.20% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
|
7601 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.76% |
Conventional | 1 | 0.2% | 100% | $5,000 | View |
|
700 Apollo Dr, Lino Lakes, MN 55014 3035 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
|
641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
|
7641 Lake Dr, Lino Lakes, MN 55014 A5.0 ★Texas Ratio: 9.19% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
|
14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
|
108 Minnesota Ave N, Aitkin, MN 56431 1410 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
|
1777 Bunker Lake Blvd Nw, Andover, MN 55304 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
|
255 33rd St W, Hastings, MN 55033 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
|
412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
|
1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
|
14989 Florence Trl, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tradition Mortgage, LLC
|
Conventional | 12 | 2% | 100% | $185,833 | |
Servion
|
Conventional, VA | 4 | 0.7% | 100% | $270,000 | |
Cambria Financial Group
|
Conventional, FHA | 2 | 0.3% | 100% | $445,000 | |
Summit Mortgage Corporation
|
Conventional | 2 | 0.3% | 100% | $290,000 | |
Bremer Bank NA
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 45 | 7.5% | 93.9% | $420,777 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 44 +1 HELOCs |
7.3% | 93.8% | $323,409 | |
Rocket Mortgage
|
Conventional, FHA, VA | 31 | 5.2% | 78% | $249,516 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 24 | 4% | 100% | $276,250 | |
|
A+5.0 ★Texas Ratio: 3.17% |
Conventional, FHA, HELOC | 21 +9 HELOCs |
3.5% | 95.5% | $294,523 | View |
SWBC Mortgage Corporation
|
Conventional, FHA | 15 | 2.5% | 93.8% | $323,666 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 15 | 2.5% | 100% | $287,000 | |
Cmg Mortgage Inc
|
Conventional, FHA, VA, USDA | 13 | 2.2% | 100% | $224,230 | |
Movement Mortgage, LLC
|
Conventional, FHA | 12 | 2% | 100% | $222,500 | |
Prosperity Home Mortgage, LLC
|
Conventional, VA | 12 | 2% | 100% | $215,000 | |
Newrez LLC
|
Conventional, FHA | 7 | 1.2% | 87.5% | $203,571 | |
New American Funding, LLC.
|
Conventional, FHA | 7 | 1.2% | 77.8% | $265,000 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, HELOC | 6 +1 HELOCs |
1% | 100% | $320,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional, FHA | 6 | 1% | 100% | $311,666 | |
loanDepot.com LLC
|
Conventional, FHA | 6 | 1% | 100% | $280,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 5 | 0.8% | 60% | $277,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 5 | 0.8% | 71.4% | $375,000 | |
Everett Financial, Inc.
|
Conventional, FHA | 4 | 0.7% | 100% | $282,500 | |
Union Home Mortgage Corp.
|
Conventional | 4 | 0.7% | 100% | $237,500 | |
Nations Lending Corporation
|
Conventional, FHA | 4 | 0.7% | 100% | $205,000 | |
Nationstar Mortgage
|
Conventional | 4 | 0.7% | 57.1% | $145,000 | |
Mortgage Research Center
|
VA | 4 | 0.7% | 100% | $387,500 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 4 | 0.7% | 100% | $220,000 | |
21St Mortgage
|
Conventional | 4 | 0.7% | 41.7% | $60,000 | |
Primelending
|
Conventional | 3 | 0.5% | 100% | $201,666 | |
Triad Financial Services, Inc.
|
Conventional | 3 | 0.5% | 47.8% | $101,666 | |
American Pacific Mortgage Corporation
|
Conventional, VA | 3 | 0.5% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional, FHA | 3 | 0.5% | 100% | $241,666 | View |
Uif Corporation
|
Conventional | 3 | 0.5% | 75% | $375,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 0.5% | 100% | $275,000 | View |
Lower, LLC
|
Conventional, FHA | 3 | 0.5% | 100% | $141,666 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 3 | 0.5% | 100% | $111,666 | |
Plaza Home Mortgage, Inc
|
Conventional | 3 | 0.5% | 75% | $335,000 | |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 83.3% | $355,000 | View |
The Loan Store, Inc
|
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $215,000 | |
Genisys Credit Union
|
Conventional | 2 | 0.3% | 100% | $50,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 2 | 0.3% | 100% | $390,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 2 | 0.3% | 66.7% | $225,000 | |
Sage Home Loans Corporation
|
Conventional | 2 | 0.3% | 100% | $380,000 | |
Resicentral LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $415,000 | |
Click n' Close, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $170,000 | |
Churchill Mortgage Corporation
|
Conventional | 2 | 0.3% | 100% | $170,000 | |
Waterstone Mortgage Corporation
|
Conventional | 2 | 0.3% | 100% | $310,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 2 | 0.3% | 100% | $420,000 | |
Megastar Finanacial Corp
|
Conventional | 2 | 0.3% | 100% | $425,000 | |
|
C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 0.3% | 22.2% | $95,000 | View |
Spring Eq, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $45,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $405,000 | View |
|
B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
American Financial Resources LLC
|
FHA | 1 | 0.2% | 100% | $385,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.2% | 50% | $175,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.2% | 100% | $425,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
Amerisave Mortgage Company
|
Conventional | 1 | 0.2% | 20% | $245,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.2% | 100% | $485,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.2% | 100% | $245,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.2% | 100% | $325,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0.2% | 100% | $295,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 20% | $55,000 | |
|
A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Bay Equity LLC
|
FHA | 1 | 0.2% | 100% | $325,000 | |
SIRVA Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $375,000 | |
Westconsin Credit Union
|
Conventional | 1 | 0.2% | 100% | $295,000 | |
American Internet Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 33.3% | $425,000 | View |
Planet Home Lending, LLC
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 50% | $355,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $235,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
A-5.0 ★Texas Ratio: 15.06% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
Navy Federal Credit Union
|
VA | 1 | 0.2% | 100% | $205,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 50% | $135,000 | View |
Paramount Residential Mortgage
|
Conventional | 1 | 0.2% | 100% | $225,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.2% | 100% | $365,000 | View |
Texana Bank
|
Conventional | 1 | 0.2% | 100% | $295,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.2% | 50% | $295,000 | |
Cake Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $425,000 | |
American Neighborhood Mortgage Acceptance Company
|
FHA | 1 | 0.2% | 50% | $365,000 | |
Goodleap, LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Midwestone Bank
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Daily average mortgage rates for Minnesota compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Oakdale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakdale in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Oakdale, MN lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 59.1 percent of home loans in Oakdale, Minnesota in 2025, banks 22.6 percent and credit unions 18.3 percent. Luminate Home Loans, Inc. was the largest mortgage company, Lake Elmo Bank the largest bank and Novation Credit Union the largest credit union. Among lenders headquartered in Minnesota, Lake Elmo Bank led with 6 loans.
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.
By home loans closed in 2025, Lake Elmo Bank was the largest mortgage lender in Oakdale, Minnesota with 6 loans, about 1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in Oakdale, Minnesota in 2025, led by United Wholesale Mortgage with 11. 13 lenders closed VA loans, led by Lennar Mortgage, LLC, 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. 50 banks and 21 credit unions closed home loans in Oakdale, Minnesota in 2025, alongside 65 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 Oakdale, 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.
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 Oakdale, 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 Oakdale. 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.