Mortgage Lenders and Brokers in Richfield, 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
Richfield, Minnesota mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA6445 Nicollet Ave, Richfield, MN 55423A+5.0 ★Texas Ratio: 5.36%, Huntington National BankHuntington National Bank6501 Richfield Pkwy, Richfield, MN 55423A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6544 Lyndale Ave S, Richfield, MN 55423A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA6625 Lyndale Ave S, Richfield, MN 55423A+5.0 ★Texas Ratio: 3.54%, 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%, Luminate BankLuminate Bank208 W Front St, Claremont, MN 55924A5.0 ★Texas Ratio: 11.06%, Alerus Financial NAAlerus Financial NA143 W Clark St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 3.32%, US Bank, N.A.US Bank, N.A.1 Meridian Crossings Suite 160, Richfield, MN 55423A+5.0 ★Texas Ratio: 2.85%, and Wings Financial Credit UnionWings Financial Credit Union14985 Glazier Ave, Apple Valley, MN 55124. 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 Richfield, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richfield 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 Richfield, Minnesota
Market share is the lender's share of all home loans closed in Richfield, 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 Richfield 6445 Nicollet Ave, Richfield, MN 55423 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 8 | 1.6% | 88.9% | $290,000 | View |
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1 office in Richfield 6501 Richfield Pkwy, Richfield, MN 55423 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 4 +12 HELOCs |
0.8% | 57.1% | $242,500 | View |
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1 office in Richfield 6544 Lyndale Ave S, Richfield, MN 55423 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $310,000 | View |
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1 office in Richfield 6625 Lyndale Ave S, Richfield, MN 55423 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +11 HELOCs |
0.2% | 100% | $25,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 34 +6 HELOCs |
6.8% | 87.2% | $292,647 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 22 +11 HELOCs |
4.4% | 92% | $144,545 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 17 | 3.4% | 100% | $301,470 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, FHA, HELOC | 15 +1 HELOCs |
3% | 100% | $365,000 | View |
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1 Meridian Crossings Suite 160, Richfield, MN 55423 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 14 +8 HELOCs |
2.8% | 58.3% | $222,857 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 12 +32 HELOCs |
2.4% | 92.3% | $315,000 | View |
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7610 Lyndale Ave S, Richfield, MN 55423 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 10 +4 HELOCs |
2% | 83.3% | $116,000 | View |
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7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 9 | 1.8% | 100% | $182,777 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 5 | 1% | 71.4% | $313,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 4 | 0.8% | 100% | $277,500 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, VA | 4 | 0.8% | 80% | $227,500 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 75% | $225,000 | View |
My Credit Union
345 E 77th St, Richfield, MN 55423 |
Conventional | 3 | 0.6% | 100% | $261,666 | |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $220,000 | View |
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4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 2 | 0.4% | 100% | $25,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 2 | 0.4% | 100% | $150,000 | View |
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4125 Ball Rd Ne, Blaine, MN 55014 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 2 | 0.4% | 100% | $235,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $35,000 | View |
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7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $455,000 | View |
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2 N Broadway Ave, Gilbert, MN 55741 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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7601 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.76% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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10225 115th Street NE, Gilman, MN 56333 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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1230 4th St S, Cannon Falls, MN 55009 A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0.2% | 100% | $485,000 | View |
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★ 5 stars, 1 review 9725 163rd St W, Lakeville, MN 55044 A5.0 ★Texas Ratio: 8.73% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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101 Old Town Rd, Elko New Market, MN 55054 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1011 Tompkins Dr NE, Byron, MN 55920 A5.0 ★Texas Ratio: 7.96% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.2% | 66.7% | $55,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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255 33rd St W, Hastings, MN 55033 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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4470 W 78th Street Cir, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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7101 West 78th Street, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.2% | 50% | $105,000 | View |
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460 Elm Street E, Annandale, MN 55302 B+4.7 ★Texas Ratio: 18.21% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
HELOC | 0 +3 HELOCs |
0% | 66.7% | 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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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Tradition Mortgage, LLC
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Conventional | 11 | 2.2% | 100% | $303,181 | |
Cambria Financial Group
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Conventional | 5 | 1% | 100% | $303,000 | |
Summit Mortgage Corporation
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Conventional | 5 | 1% | 100% | $243,000 | |
Bremer Bank NA
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $235,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $45,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 37 | 7.4% | 95% | $312,567 | |
Rocket Mortgage
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Conventional, FHA, VA | 29 | 5.8% | 85.7% | $247,413 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 27 | 5.4% | 100% | $303,148 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, FHA, HELOC | 13 +3 HELOCs |
2.6% | 92.9% | $238,846 | View |
Prosperity Home Mortgage, LLC
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Conventional | 12 | 2.4% | 92.3% | $315,000 | |
Guild Mortgage Company
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Conventional | 11 | 2.2% | 100% | $327,727 | |
Fairway Independent Mort Corp
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Conventional, VA | 10 | 2% | 100% | $277,000 | |
Newrez LLC
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Conventional, FHA | 8 | 1.6% | 81.8% | $246,250 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 1.6% | 100% | $153,750 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 7 +1 HELOCs |
1.4% | 100% | $286,428 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 1.4% | 77.8% | $249,285 | |
Guaranteed Rate Affinity, LLC
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Conventional | 6 | 1.2% | 100% | $340,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 6 | 1.2% | 100% | $285,000 | |
Pennymac Loan Services LLC
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Conventional | 5 | 1% | 100% | $381,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 5 | 1% | 100% | $261,000 | View |
Mortgage Research Center
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VA | 5 | 1% | 83.3% | $335,000 | |
SWBC Mortgage Corporation
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Conventional | 4 | 0.8% | 100% | $327,500 | |
Everett Financial, Inc.
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Conventional | 4 | 0.8% | 100% | $312,500 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.8% | 100% | $395,000 | |
Resicentral LLC
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Conventional | 4 | 0.8% | 100% | $290,000 | |
Paramount Residential Mortgage
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Conventional | 4 | 0.8% | 100% | $322,500 | |
Cmg Mortgage Inc
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 3 | 0.6% | 100% | $275,000 | View |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.6% | 75% | $358,333 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, VA | 3 | 0.6% | 100% | $338,333 | |
Residential Wholesale Mortgage
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Conventional | 2 | 0.4% | 100% | $270,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.4% | 50% | $250,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.4% | 100% | $465,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.4% | 66.7% | $375,000 | |
Premier Lending Inc.
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Conventional | 2 | 0.4% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 50% | $135,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $285,000 | |
Florida Capital Bank, N.A
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Conventional | 2 | 0.4% | 100% | $375,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 0.4% | 50% | $425,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.4% | 100% | $190,000 | View |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 10.07% |
FHA | 1 | 0.2% | 100% | $345,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.2% | 100% | $105,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.2% | 100% | $355,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.2% | 100% | $335,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 50% | $345,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.2% | 100% | $275,000 | |
Bay Equity LLC
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VA | 1 | 0.2% | 100% | $345,000 | |
Real Genius LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.2% | 100% | $235,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 2.75% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Iowa Bankers Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.2% | 100% | $355,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $335,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
First Community Credit Union
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VA | 1 | 0.2% | 100% | $335,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 8.3% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 33.3% | $325,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 14.3% | $85,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 50% | $315,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.2% | 100% | $365,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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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 | |
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A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Richfield 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 Richfield, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Richfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richfield, MN
Use these to narrow the list above. Each category shows how many Richfield, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Richfield, MN
Independent mortgage companies closed 53.6 percent of home loans in Richfield, Minnesota in 2025, banks 31.6 percent and credit unions 14.8 percent. Luminate Home Loans, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Trustone Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA led with 8 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 Richfield, MN
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Richfield, Minnesota with 8 loans, about 1.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Richfield, Minnesota in 2025, led by Rocket Mortgage with 5. 14 lenders closed VA loans, led by United Wholesale Mortgage. 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. 48 banks and 17 credit unions closed home loans in Richfield, Minnesota in 2025, alongside 59 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 Richfield, 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 Richfield, 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 Richfield. 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.
