Mortgage Lenders and Brokers in Sauk Rapids, 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 Rapids, Minnesota mortgage lenders include US Bank, N.A.US Bank, N.A.122 2nd Ave S, Sauk Rapids, MN 56379A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA115 1st St S, Sauk Rapids, MN 56379A+5.0 ★Texas Ratio: 5.36%, St. Cloud Financial Credit UnionSt. Cloud Financial Credit Union205 2nd Ave N, Sauk Rapids, MN 56379A+5.0 ★Texas Ratio: 3.54%, Liberty Bank MinnesotaLiberty Bank Minnesota730 Humboldt Dr, Big Lake, MN 55309A+5.0 ★Texas Ratio: 0.00%, Old National BankOld National Bank101 Minnesota Ave N, Aitkin, MN 56431A+5.0 ★Texas Ratio: 4.98%, BankvistaBankvista1420 White Oak Dr, Chaska, MN 55318A5.0 ★Texas Ratio: 11.00%, Magnifi Financial Credit UnionMagnifi Financial Credit Union641 Railroad Ave, Albany, MN 56307A+5.0 ★Texas Ratio: 1.40%, Sentry BankSentry Bank4350 8th St N, Saint Cloud, MN 56303A+5.0 ★Texas Ratio: 0.00%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%. 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 Rapids, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sauk Rapids 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 Rapids, Minnesota
Market share is the lender's share of all home loans closed in Sauk Rapids, 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 Sauk Rapids 122 2nd Ave S, Sauk Rapids, MN 56379 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +3 HELOCs |
2.3% | 71.4% | $199,000 | View |
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1 office in Sauk Rapids 115 1st St S, Sauk Rapids, MN 56379 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 50% | $165,000 | View |
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205 2nd Ave N, Sauk Rapids, MN 56379 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 18 | 8.3% | 81.8% | $125,555 | View |
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730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 13 | 6% | 100% | $166,538 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, VA, HELOC | 5 +3 HELOCs |
2.3% | 100% | $225,000 | View |
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1420 White Oak Dr, Chaska, MN 55318 A5.0 ★Texas Ratio: 11.00% |
Conventional | 5 | 2.3% | 100% | $143,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 4 +1 HELOCs |
1.8% | 83.3% | $202,500 | View |
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4350 8th St N, Saint Cloud, MN 56303 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 1.8% | 100% | $117,500 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 100% | $105,000 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 40% | $55,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 2 | 0.9% | 100% | $260,000 | View |
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104 Avon Ave N, Avon, MN 56310 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.9% | 100% | $110,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $175,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $215,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $175,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
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102 S Broadway, La Salle, MN 56056 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14989 Florence Trl, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Servion
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Conventional | 2 | 0.9% | 100% | $155,000 | |
Bremer Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Homeowners Financial Group, LLC
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Conventional, FHA | 17 | 7.8% | 100% | $190,882 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 6.9% | 88.2% | $194,333 | |
United Wholesale Mortgage
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Conventional, VA | 13 | 6% | 86.7% | $282,692 | |
Primelending
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Conventional, FHA | 8 | 3.7% | 88.9% | $223,750 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 8 | 3.7% | 100% | $225,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 2.8% | 100% | $263,333 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 2.8% | 85.7% | $243,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 2.8% | 85.7% | $215,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 2.3% | 100% | $277,000 | |
Lower, LLC
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Conventional, FHA | 5 | 2.3% | 100% | $211,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 4 | 1.8% | 100% | $135,000 | |
Newrez LLC
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Conventional, VA | 4 | 1.8% | 57.1% | $210,000 | |
Gate City Bank
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Conventional | 4 | 1.8% | 80% | $102,500 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.4% | 100% | $221,666 | |
Credit Union 1
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Conventional | 3 | 1.4% | 75% | $51,666 | |
Nationstar Mortgage
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Conventional | 3 | 1.4% | 75% | $75,000 | |
Mortgage Research Center
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VA | 3 | 1.4% | 100% | $321,666 | |
Union Home Mortgage Corp.
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FHA, VA | 2 | 0.9% | 100% | $255,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $260,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 100% | $155,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $75,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.5% | 50% | $45,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $275,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.5% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
American Financing Corporation
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FHA | 1 | 0.5% | 100% | $185,000 | |
Bay Equity LLC
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FHA | 1 | 0.5% | 100% | $295,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.5% | 100% | $255,000 | |
Milend, Inc
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VA | 1 | 0.5% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
Megastar Finanacial Corp
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FHA | 1 | 0.5% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.5% | 100% | $225,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 25% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sauk Rapids 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 Rapids, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Sauk Rapids? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sauk Rapids in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sauk Rapids, MN
Use these to narrow the list above. Each category shows how many Sauk Rapids, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Sauk Rapids, MN
Independent mortgage companies closed 55.8 percent of home loans in Sauk Rapids, Minnesota in 2025, banks 29.5 percent and credit unions 14.7 percent. Servion was the largest mortgage company, US Bank, N.A. the largest bank and St. Cloud Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA led with 1 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 Rapids, MN
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Sauk Rapids, Minnesota with 5 loans, about 2.3 percent of the market. The largest lender headquartered in Minnesota was Wells Fargo Bank NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Sauk Rapids, Minnesota in 2025, led by Fairway Independent Mort Corp with 4. 12 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. 29 banks and 9 credit unions closed home loans in Sauk Rapids, Minnesota in 2025, alongside 35 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 Rapids, 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 Rapids, 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 Rapids. 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.
