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Mortgage Lenders and Brokers in St. Cloud, Minnesota

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Cloud, Minnesota mortgage lenders include St. Cloud Financial Credit UnionSt. Cloud Financial Credit Union5600 La Centre Ave Ste 100, Albertville, MN 55301 4018A+5.0 ★Texas Ratio: 3.54%, Liberty Bank MinnesotaLiberty Bank Minnesota730 Humboldt Dr, Big Lake, MN 55309A+5.0 ★Texas Ratio: 0.00%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, Sentry BankSentry Bank4350 8th St N, Saint Cloud, MN 56303A+5.0 ★Texas Ratio: 0.00%, Old National BankOld National Bank101 Minnesota Ave N, Aitkin, MN 56431A+5.0 ★Texas Ratio: 4.98%, Magnifi Financial Credit UnionMagnifi Financial Credit Union641 Railroad Ave, Albany, MN 56307A+5.0 ★Texas Ratio: 1.40%, 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%, and Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%. 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 St. Cloud, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Cloud 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 St. Cloud, Minnesota

Market share is the lender's share of all home loans closed in St. Cloud, 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
St. Cloud Financial Credit Union 5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54%	Conventional, VA	71	5.8%	83.5%	$118,239	View
Liberty Bank Minnesota 730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	50	4.1%	96.2%	$222,600	View
US Bank, N.A. 331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	26 +13 HELOCs	2.1%	68.3%	$231,153	View
Affinity Plus Federal Credit Union 1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41%	Conventional, HELOC	25 +11 HELOCs	2%	89.7%	$116,600	View
Sentry Bank 4350 8th St N, Saint Cloud, MN 56303 A+5.0 ★Texas Ratio: 0.00%	Conventional	23	1.9%	100%	$185,869	View
Old National Bank 101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	22 +7 HELOCs	1.8%	100%	$278,636	View
Magnifi Financial Credit Union 641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40%	Conventional, HELOC	21 +4 HELOCs	1.7%	96.3%	$162,142	View
Bell Bank 1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	20 +1 HELOCs	1.6%	95.2%	$246,000	View
Trustone Financial Credit Union 2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56%	Conventional, FHA, HELOC	17 +10 HELOCs	1.4%	64.3%	$97,352	View
Wells Fargo Bank NA 122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36%	Conventional	16	1.3%	94.1%	$210,625	View
Granite Bank 11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85%	Conventional, FHA	15	1.2%	93.8%	$199,000	View
Sherburne State Bank 12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20%	Conventional	13	1.1%	93.8%	$179,615	View
Bankvista 1420 White Oak Dr, Chaska, MN 55318 A5.0 ★Texas Ratio: 11.00%	Conventional, FHA	12	1%	100%	$111,666	View
American Heritage National Bank 104 Avon Ave N, Avon, MN 56310 A+5.0 ★Texas Ratio: 0.00%	Conventional	10	0.8%	100%	$210,000	View
Blaze Credit Union 10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19%	Conventional, HELOC	9 +3 HELOCs	0.7%	92.3%	$119,444	View
Luminate Bank 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	9	0.7%	100%	$258,333	View
Deerwood Bank 14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01%	Conventional, HELOC	7 +20 HELOCs	0.6%	100%	$173,571	View
Huntington National Bank 405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	7 +4 HELOCs	0.6%	87.5%	$276,428	View
Frandsen Bank & Trust 410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91%	Conventional	7	0.6%	77.8%	$325,000	View
Alerus Financial NA 143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32%	Conventional, FHA, HELOC	4 +1 HELOCs	0.3%	100%	$302,500	View
Coulee Bank 14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60%	Conventional	4	0.3%	100%	$205,000	View
Minnesota National Bank 706 Lake St S, Long Prairie, MN 56347 A+5.0 ★Texas Ratio: 3.88%	Conventional	4	0.3%	100%	$142,500	View
American National Bank of Minnesota 512 30th Ave E, Alexandria, MN 56308 A5.0 ★Texas Ratio: 8.08%	Conventional	4	0.3%	100%	$152,500	View
Wings Financial Credit Union 14985 Glazier Ave, Apple Valley, MN 55124	Conventional	4	0.3%	100%	$350,000	View
Minnwest Bank 113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77%	Conventional, HELOC	3 +4 HELOCs	0.2%	75%	$248,333	View
JPMorgan Chase Bank, NA 15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	75%	$235,000	View
Lake Central Bank 40 Chestnut St W, Annandale, MN 55302 A+5.0 ★Texas Ratio: 0.26%	Conventional	3	0.2%	100%	$295,000	View
Falcon National Bank 183 Cedar Dr, Foley, MN 56329 A+5.0 ★Texas Ratio: 5.11%	Conventional	3	0.2%	75%	$51,666	View
Heritage Bank NA 242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27%	Conventional, FHA	3	0.2%	75%	$155,000	View
Merchants Bank, National Association 7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28%	Conventional	2	0.2%	100%	$285,000	View
Cortrust Bank 2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11%	Conventional	2	0.2%	100%	$90,000	View
Topline Financial Credit Union 900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$35,000	View
National Bank of Commerce 22 1st St Ne, Bagley, MN 56621 A+5.0 ★Texas Ratio: 5.00%	Conventional	1	0.1%	100%	$125,000	View
Farmers & Merchants State Bank 110 Meeker Ave W, Eden Valley, MN 55329 A5.0 ★Texas Ratio: 9.66%	Conventional	1	0.1%	100%	$25,000	View
First State Bank Southwest 11665 110th St, Edgerton, MN 56128 A4.7 ★Texas Ratio: 6.01%	Conventional	1	0.1%	100%	$125,000	View
The First National Bank of Milaca 10225 115th Street NE, Gilman, MN 56333 A+5.0 ★Texas Ratio: 1.77%	Conventional	1	0.1%	100%	$275,000	View
SMW Financial Credit Union 700 Apollo Dr, Lino Lakes, MN 55014 3035 A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0.1%	100%	$85,000	View
Think Mutual Bank 15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0.1%	100%	$145,000	View
Novation Credit Union 45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19%	Conventional	1	0.1%	100%	$95,000	View
HomeTown Bank 1600 Monroe Drive, Carver, MN 55315 A+5.0 ★Texas Ratio: 3.53%	Conventional	1	0.1%	100%	$225,000	View
Luminate Home Loans, Inc. 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$295,000	View
Pine Country Bank 1201 1st Ave Ne, Little Falls, MN 56345 A+5.0 ★Texas Ratio: 0.36%	Conventional	1	0.1%	100%	$285,000	View
First Independence Bank 3430 University Ave Se, Minneapolis, MN 55414 A+5.0 ★Texas Ratio: 4.91%	Conventional	1	0.1%	100%	$595,000	View
Minnco Credit Union 2121 Station Pkwy NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 2.50%	Conventional	1	0.1%	100%	$25,000	View
Bridgewater Bank 7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43%	Conventional	1	0.1%	100%	$215,000	View
Sunrise Banks, N.A. 2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43%	Conventional	1	0.1%	100%	$155,000	View
Choice Financial Group 4470 W 78th Street Cir, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 2.70%	Conventional	1	0.1%	100%	$225,000	View
Associated Bank NA 7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45%	HELOC	0 +1 HELOCs	0%	n/a		View
Servion	Conventional, FHA	9	0.7%	100%	$228,333
Tradition Mortgage, LLC	Conventional	3	0.2%	100%	$125,000
Bremer Bank NA	Conventional, HELOC	2 +7 HELOCs	0.2%	100%	$425,000
Cambria Financial Group	Conventional	1	0.1%	100%	$235,000
Summit Mortgage Corporation	VA	1	0.1%	100%	$315,000
Homeowners Financial Group, LLC	Conventional, FHA, VA	95	7.8%	94.1%	$155,842
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	68 +2 HELOCs	5.6%	84%	$264,852
Rocket Mortgage	Conventional, FHA, VA	57	4.7%	89.6%	$172,192
Fairway Independent Mort Corp	Conventional, FHA, VA	38	3.1%	95%	$173,157
Plaza Home Mortgage, Inc	Conventional, FHA, VA	38	3.1%	88.4%	$270,263
New American Funding, LLC.	Conventional, FHA, VA	28	2.3%	90.3%	$218,214
Royal Credit Union A+5.0 ★Texas Ratio: 3.17%	Conventional, FHA, HELOC	25 +1 HELOCs	2%	96.2%	$134,600	View
Everett Financial, Inc.	Conventional, FHA, VA	25	2%	100%	$229,000
Mortgage Research Center	VA	25	2%	80.6%	$279,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	21	1.7%	100%	$275,476
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	19	1.6%	90.5%	$282,894
Pennymac Loan Services LLC	Conventional, FHA, VA	18	1.5%	86.4%	$312,222
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	17	1.4%	100%	$189,117
Primelending	Conventional, FHA, VA	13	1.1%	72.2%	$175,000
Cardinal Financial Company, Li	Conventional, FHA, VA	13	1.1%	87.5%	$151,923
Freedom Mortgage Corporation	FHA, VA	12	1%	83.3%	$258,333
Newrez LLC	Conventional, FHA, VA	12	1%	80%	$299,166
loanDepot.com LLC	Conventional, VA	11	0.9%	66.7%	$139,545
Zillow Home Loans, LLC	Conventional, FHA	11	0.9%	100%	$207,727
Triad Financial Services, Inc.	Conventional	10	0.8%	60%	$53,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	9	0.7%	90%	$235,000
Cmg Mortgage Inc	Conventional, FHA, USDA	9	0.7%	90.9%	$283,888
Navy Federal Credit Union	Conventional, VA, HELOC	8 +2 HELOCs	0.7%	80%	$233,750
Movement Mortgage, LLC	Conventional, FHA	7	0.6%	100%	$142,142
Nationstar Mortgage	Conventional, FHA, VA	7	0.6%	87.5%	$206,428
Uif Corporation	Conventional	7	0.6%	87.5%	$287,857
Lower, LLC	Conventional, FHA	7	0.6%	100%	$206,428
Gate City Bank	Conventional, HELOC	6 +1 HELOCs	0.5%	85.7%	$276,666
Guaranteed Rate Affinity, LLC	Conventional, VA	6	0.5%	100%	$221,666
Home Mortgage Alliance Corp (Hmac)	Conventional	6	0.5%	85.7%	$253,333
Click n' Close, Inc.	Conventional, FHA	6	0.5%	100%	$110,000
Mutual of Omaha Mortgage	Conventional	6	0.5%	100%	$218,333
SWBC Mortgage Corporation	Conventional, FHA	5	0.4%	100%	$191,000
Guidance Residential, LLC	Conventional	5	0.4%	100%	$277,000
Union Home Mortgage Corp.	Conventional, VA	5	0.4%	71.4%	$231,000
Paramount Residential Mortgage	Conventional, FHA, VA	5	0.4%	100%	$323,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	5	0.4%	100%	$213,000
Kind Lending, LLC	Conventional, FHA	4	0.3%	100%	$277,500
Compeer Financial	Conventional, Jumbo	4	0.3%	100%	$672,500
Credit Union 1	Conventional	4	0.3%	57.1%	$45,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	100%	$147,500	View
Mason-McDuffie Mortgage Corporation	Conventional	4	0.3%	100%	$280,000
Spring Eq, LLC	Conventional	4	0.3%	62.5%	$65,000
The Loan Store, Inc	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$135,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.2%	100%	$281,666	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	100%	$235,000	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	3	0.2%	100%	$168,333
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	3	0.2%	100%	$158,333	View
Carrington Mortgage Services LLC	FHA	3	0.2%	33.3%	$198,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.2%	100%	$195,000	View
Village Capital & Investment	VA	3	0.2%	66.7%	$321,666
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.2%	100%	$210,000
Greenstate Credit Union	Conventional	2	0.2%	100%	$170,000
Gold Star Mortgage Financial Group, Corporation	FHA	2	0.2%	100%	$220,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.2%	100%	$370,000
Resicentral LLC	Conventional	2	0.2%	50%	$315,000
AdvantageFirst Lending Inc	FHA, VA	2	0.2%	100%	$315,000
Saygo Home Loans, LLC	VA	2	0.2%	100%	$455,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0.1%	100%	$125,000
American Financial Resources LLC	FHA	1	0.1%	100%	$335,000
Neighborhood Loans, Inc	Conventional	1	0.1%	100%	$15,000
Goodleap, LLC	Conventional	1	0.1%	100%	$215,000
Lakeview Loan Servicing, LLC	FHA	1	0.1%	22.2%	$225,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$185,000
Brighton Bank	Conventional	1	0.1%	100%	$335,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$325,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$145,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$305,000
First United Bank A+5.0 ★Texas Ratio: 3.01%	Conventional	1	0.1%	100%	$295,000	View
Amerisave Mortgage Company	Conventional	1	0.1%	11.1%	$65,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$295,000	View
Guild Mortgage Company	Conventional	1	0.1%	100%	$175,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$415,000
Sfmc, LP	Conventional	1	0.1%	100%	$295,000
Discover Bank	Conventional	1	0.1%	50%	$135,000
Citizens State Bank A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$215,000	View
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$255,000
American Financing Corporation	FHA	1	0.1%	33.3%	$165,000
Bay Equity LLC	FHA	1	0.1%	100%	$175,000
Premier Lending Inc.	FHA	1	0.1%	100%	$305,000
Marine Credit Union	Conventional	1	0.1%	100%	$115,000
Midwestone Bank	Conventional	1	0.1%	100%	$165,000
Planet Home Lending, LLC	FHA	1	0.1%	50%	$235,000
Hometown Equity Mortgage, LLC	FHA	1	0.1%	100%	$165,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$175,000	View
Cortrust Mortgage, Inc. A+5.0 ★Texas Ratio: 5.11%	Conventional	1	0.1%	100%	$175,000	View
Megastar Finanacial Corp	Conventional	1	0.1%	100%	$165,000
Towne Mortgage Company	FHA	1	0.1%	100%	$305,000
Pentagon Federal Credit Union	VA	1	0.1%	100%	$335,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$235,000
I H Mississippi Valley Credit Union	Conventional	1	0.1%	100%	$315,000
Northrop Grumman Federal Credit Union	Conventional	1	0.1%	100%	$525,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$85,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$345,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$275,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$245,000
Hiawatha National Bank A-5.0 ★Texas Ratio: 15.06%	Conventional	1	0.1%	100%	$335,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$485,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$335,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$415,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

St. Cloud Mortgage Rate Trends

Daily average mortgage rates for Minnesota compared with the national average, updated every evening.

30-Year Fixed MN Avg

7.512%

▲ 0.089 vs 7 days ago

15-Year Fixed MN Avg

6.996%

▲ 0.059 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in St. Cloud, Minnesota

Looking for mortgage lenders near me or mortgage brokers near me in St. Cloud? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Cloud in 2025, with lenders based there listed first.

Types of Mortgage Lenders in St. Cloud, MN

Use these to narrow the list above. Each category shows how many St. Cloud, MN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 78 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 61 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 56 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 37 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MN 40 lenders headquartered in Minnesota, the closest thing to a mortgage lender near you

Who Lends in St. Cloud, MN

Independent mortgage companies closed 56.4 percent of home loans in St. Cloud, Minnesota in 2025, banks 27.7 percent and credit unions 15.9 percent. Luminate Home Loans, Inc. was the largest mortgage company, Liberty Bank Minnesota the largest bank and St. Cloud Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, St. Cloud Financial Credit Union led with 71 loans.

56.4%

Mortgage companies

27.7%

Banks

15.9%

Credit unions

16%

FHA loans

11%

VA 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

All Minnesota lenders 711 lenders Minneapolis 297 lenders St. Paul 252 lenders Rochester 198 lenders Lakeville 187 lenders Woodbury 186 lenders Maple Grove 180 lenders Duluth 168 lenders Blaine 180 lenders Plymouth 187 lenders Bloomington 163 lenders Brooklyn Park 153 lenders Coon Rapids 153 lenders

Frequently Asked Questions About Mortgage Lenders in St. Cloud, MN

Who is the largest mortgage lender in St. Cloud, MN?

By home loans closed in 2025, St. Cloud Financial Credit Union was the largest mortgage lender in St. Cloud, Minnesota with 71 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Cloud, MN have the highest approval rates?

Among lenders with meaningful volume in St. Cloud, Minnesota, Liberty Bank Minnesota approved the highest share of completed applications in 2025 at 96.2 percent, against a 87.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which St. Cloud, MN mortgage lenders offer FHA, VA and USDA loans?

56 lenders closed FHA loans in St. Cloud, Minnesota in 2025, led by Homeowners Financial Group, LLC with 16. 37 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.

Are credit unions and local banks included in this St. Cloud, MN lender list?

Yes. 61 banks and 19 credit unions closed home loans in St. Cloud, Minnesota in 2025, alongside 78 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.

How are mortgage lenders in St. Cloud, MN ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Cloud, 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 St. Cloud, 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 St. Cloud. 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.