Mortgage Lenders and Brokers in South St. Paul, 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
South St. Paul, Minnesota mortgage lenders include 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%, 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%, 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%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, Huntington National BankHuntington National Bank405 E Main St, Anoka, MN 55303A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, 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 South St. Paul, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South St. Paul 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 South St. Paul, Minnesota
Market share is the lender's share of all home loans closed in South St. Paul, 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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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 23 +2 HELOCs |
6.6% | 85.7% | $218,478 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 14 +3 HELOCs |
4% | 82.4% | $94,285 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 8 +3 HELOCs |
2.3% | 100% | $165,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +4 HELOCs |
1.7% | 50% | $156,666 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 6 +4 HELOCs |
1.7% | 75% | $211,666 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 5 | 1.4% | 100% | $279,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 5 | 1.4% | 100% | $217,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 4 +4 HELOCs |
1.1% | 57.1% | $232,500 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 4 +4 HELOCs |
1.1% | 57.1% | $175,000 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 3 +9 HELOCs |
0.9% | 100% | $248,333 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 3 +8 HELOCs |
0.9% | 50% | $98,333 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 3 +1 HELOCs |
0.9% | 100% | $278,333 | View |
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60 Plato Blvd E, Saint Paul, MN 55107 F1.0 ★Texas Ratio: 77.33% |
Conventional | 3 | 0.9% | 100% | $251,666 | View |
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234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79% |
Conventional, FHA | 3 | 0.9% | 100% | $175,000 | View |
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15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 3 | 0.9% | 100% | $208,333 | View |
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7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $245,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $180,000 | View |
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21450 Forest Blvd N, Forest Lake, MN 55025 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 2 | 0.6% | 100% | $245,000 | View |
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200 Coon Rapids Blvd Nw, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 2.50% |
Conventional | 2 | 0.6% | 100% | $375,000 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 40% | $240,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 2 | 0.6% | 100% | $295,000 | View |
My Credit Union
4025 W Old Shakopee Rd, Bloomington, MN 55437 |
Conventional | 2 | 0.6% | 100% | $240,000 | |
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★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52% |
Conventional | 2 | 0.6% | 66.7% | $160,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 2 | 0.6% | 100% | $175,000 | View |
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4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $45,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $375,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $105,000 | 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 |
0.3% | 50% | $265,000 | View |
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4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
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112 Broadway, Hanska, MN 56041 A+5.0 ★Texas Ratio: 0.05% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
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101 Old Town Rd, Elko New Market, MN 55054 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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1777 Bunker Lake Blvd Nw, Andover, MN 55304 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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102 S Broadway, La Salle, MN 56056 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
Tradition Mortgage, LLC
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Conventional | 3 | 0.9% | 100% | $261,666 | |
Cambria Financial Group
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Conventional | 2 | 0.6% | 100% | $290,000 | |
Servion
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Conventional | 1 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, FHA, HELOC | 21 +5 HELOCs |
6% | 100% | $229,761 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 19 +3 HELOCs |
5.4% | 82.6% | $296,578 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 5.4% | 91.7% | $241,315 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 12 | 3.4% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 12 | 3.4% | 100% | $313,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 10 | 2.9% | 92.3% | $216,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 9 | 2.6% | 100% | $188,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.7% | 100% | $213,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 1.7% | 66.7% | $243,333 | |
Nationstar Mortgage
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Conventional | 6 | 1.7% | 100% | $135,000 | |
Mortgage Research Center
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VA | 6 | 1.7% | 75% | $308,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 6 | 1.7% | 85.7% | $255,000 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 1.7% | 75% | $215,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 5 | 1.4% | 100% | $287,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 5 | 1.4% | 100% | $219,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.1% | 66.7% | $307,500 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 1.1% | 100% | $260,000 | |
Mutual of Omaha Mortgage
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Conventional | 4 | 1.1% | 80% | $252,500 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 4 | 1.1% | 100% | $210,000 | |
Primelending
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Conventional | 3 | 0.9% | 100% | $285,000 | |
Newrez LLC
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Conventional | 3 | 0.9% | 75% | $185,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.9% | 100% | $191,666 | |
Bay Equity LLC
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Conventional | 3 | 0.9% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 3 | 0.9% | 100% | $261,666 | View |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $370,000 | |
Discover Bank
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Conventional | 2 | 0.6% | 66.7% | $90,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.6% | 100% | $200,000 | |
New Day Financial, LLC.
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VA | 2 | 0.6% | 100% | $220,000 | |
Premier Lending Inc.
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Conventional | 2 | 0.6% | 100% | $130,000 | |
Nations Lending Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $120,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.6% | 100% | $200,000 | View |
Texana Bank
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Conventional | 2 | 0.6% | 100% | $230,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 0.6% | 100% | $240,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $375,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $285,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.3% | 50% | $125,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $335,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 50% | $235,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $175,000 | |
Navy Federal Credit Union
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VA | 1 | 0.3% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $345,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Village Capital & Investment
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FHA | 1 | 0.3% | 100% | $245,000 | |
Midwestone Bank
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Uw Credit Union
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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 | |
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
South St. Paul 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 South St. Paul, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in South St. Paul? The list below shows the banks, credit unions and mortgage brokers that closed home loans in South St. Paul in 2025, with lenders based there listed first.
Types of Mortgage Lenders in South St. Paul, MN
Use these to narrow the list above. Each category shows how many South St. Paul, MN lenders fit and what that kind of lender is usually best for.
Who Lends in South St. Paul, MN
Independent mortgage companies closed 53.7 percent of home loans in South St. Paul, Minnesota in 2025, banks 28.9 percent and credit unions 17.4 percent. Tradition Mortgage, LLC was the largest mortgage company, Bell Bank the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Affinity Plus Federal Credit Union led with 14 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 South St. Paul, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in South St. Paul, Minnesota with 23 loans, about 6.6 percent of the market. The largest lender headquartered in Minnesota was Affinity Plus Federal Credit Union with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in South St. Paul, Minnesota in 2025, led by United Wholesale Mortgage with 7. 10 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. 37 banks and 14 credit unions closed home loans in South St. Paul, Minnesota in 2025, alongside 53 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 South St. Paul, 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 South St. Paul, 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 South St. Paul. 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.
