Mortgage Lenders and Brokers in Sauk Centre, 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
Sauk Centre, Minnesota mortgage lenders include Minnesota National BankMinnesota National Bank131 12th St S, Sauk Centre, MN 56378A+5.0 ★Texas Ratio: 3.88%, Pine Country BankPine Country Bank423 Main St S, Sauk Centre, MN 56378A+5.0 ★Texas Ratio: 0.36%, Magnifi Financial Credit UnionMagnifi Financial Credit Union1181 Main ST S, Sauk Centre, MN 56378A+5.0 ★Texas Ratio: 1.40%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Freeport State BankFreeport State Bank111 Main St E, Freeport, MN 56331A+5.0 ★Texas Ratio: 0.01%, First Western Bank & TrustFirst Western Bank & Trust3313 Highway 29 S, Alexandria, MN 56308A-5.0 ★Texas Ratio: 15.55%, Deerwood BankDeerwood Bank14986 Lynwood Dr, Baxter, MN 56425A+5.0 ★Texas Ratio: 4.01%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA15103 Cedar Ave, Apple Valley, MN 55124A+5.0 ★Texas Ratio: 3.68%. 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 Sauk Centre, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sauk Centre 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 Sauk Centre, Minnesota
Market share is the lender's share of all home loans closed in Sauk Centre, 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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131 12th St S, Sauk Centre, MN 56378 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 23 | 20.4% | 100% | $188,043 | View |
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1 office in Sauk Centre 423 Main St S, Sauk Centre, MN 56378 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 7 | 6.2% | 77.8% | $136,428 | View |
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1181 Main ST S, Sauk Centre, MN 56378 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 15 +6 HELOCs |
13.3% | 94.4% | $188,333 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 4 | 3.5% | 100% | $115,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional | 2 | 1.8% | 100% | $130,000 | View |
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111 Main St E, Freeport, MN 56331 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 2 | 1.8% | 100% | $195,000 | View |
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3313 Highway 29 S, Alexandria, MN 56308 A-5.0 ★Texas Ratio: 15.55% |
Conventional, VA | 2 | 1.8% | 100% | $230,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $855,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.9% | 50% | $465,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $605,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
VA | 1 | 0.9% | 100% | $255,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
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5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.9% | 100% | $215,000 | View |
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242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.9% | 100% | $225,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional | 1 | 0.9% | 100% | $305,000 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA, USDA | 6 | 5.3% | 85.7% | $208,333 | |
Everett Financial, Inc.
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Conventional, FHA | 5 | 4.4% | 83.3% | $147,000 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 3.5% | 100% | $257,500 | |
Rocket Mortgage
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Conventional, FHA | 3 | 2.7% | 75% | $168,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 2.7% | 100% | $181,666 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional, FHA | 2 | 1.8% | 100% | $95,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.8% | 66.7% | $210,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.8% | 100% | $55,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.8% | 66.7% | $245,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 1.8% | 100% | $175,000 | |
Mortgage Research Center
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VA | 2 | 1.8% | 100% | $200,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.9% | 100% | $235,000 | |
Goodleap, LLC
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FHA | 1 | 0.9% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.9% | 50% | $135,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.9% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $115,000 | View |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.9% | 100% | $175,000 | |
Iowa Bankers Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $215,000 | |
Milend, Inc
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Conventional | 1 | 0.9% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.9% | 100% | $175,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.9% | 50% | $415,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.9% | 100% | $155,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.9% | 100% | $145,000 |
Sauk Centre 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 Sauk Centre, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Sauk Centre? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sauk Centre in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sauk Centre, MN
Use these to narrow the list above. Each category shows how many Sauk Centre, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Sauk Centre, MN
Independent mortgage companies closed 40.7 percent of home loans in Sauk Centre, Minnesota in 2025, banks 42.5 percent and credit unions 16.8 percent. Plaza Home Mortgage, Inc was the largest mortgage company, Minnesota National Bank the largest bank and Magnifi Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Minnesota National Bank led with 23 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 Sauk Centre, MN
By home loans closed in 2025, Minnesota National Bank was the largest mortgage lender in Sauk Centre, Minnesota with 23 loans, about 20.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Sauk Centre, Minnesota in 2025, led by Bell Bank with 2. 7 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. 15 banks and 4 credit unions closed home loans in Sauk Centre, Minnesota in 2025, alongside 24 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 Sauk Centre, 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 Sauk Centre, 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 Sauk Centre. 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.
