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Mortgage Lenders and Brokers in St. Paul, Minnesota

Content reviewed by

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

St. Paul, Minnesota mortgage lenders include Drake BankDrake Bank60 Plato Blvd E, Saint Paul, MN 55107F1.0 ★Texas Ratio: 77.33%, 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%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, 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%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, 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. Paul, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in 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 St. Paul, Minnesota

Market share is the lender's share of all home loans closed in 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
Drake Bank 60 Plato Blvd E, Saint Paul, MN 55107 F1.0 ★Texas Ratio: 77.33%	Conventional, Jumbo	6	0.2%	100%	$395,000	View
Bell Bank 1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	315 +29 HELOCs	8.4%	97%	$273,952	View
Affinity Plus Federal Credit Union 1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41%	Conventional, HELOC	124 +44 HELOCs	3.3%	84.9%	$90,322	View
Trustone Financial Credit Union 2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56%	Conventional, FHA, Jumbo, HELOC	122 +80 HELOCs	3.2%	81.2%	$184,754	View
Blaze Credit Union 10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19%	Conventional, Jumbo, HELOC	120 +51 HELOCs	3.2%	88.2%	$170,750	View
US Bank, N.A. 331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	82 +69 HELOCs	2.2%	62.5%	$281,585	View
Luminate Bank 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA, Jumbo	73	1.9%	100%	$280,753	View
Alerus Financial NA 143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32%	Conventional, FHA, Jumbo, HELOC	68 +10 HELOCs	1.8%	98.6%	$321,764	View
Granite Bank 11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85%	Conventional, FHA	62	1.7%	98.4%	$269,516	View
Wells Fargo Bank NA 122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	59	1.6%	74.7%	$261,101	View
Old National Bank 101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, Jumbo, HELOC	57 +12 HELOCs	1.5%	89.1%	$282,894	View
Huntington National Bank 405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	39 +46 HELOCs	1%	93%	$279,102	View
Sunrise Banks, N.A. 2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43%	Conventional	30	0.8%	88.6%	$220,666	View
JPMorgan Chase Bank, NA 15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	26 +2 HELOCs	0.7%	68.4%	$256,153	View
Wings Financial Credit Union 14985 Glazier Ave, Apple Valley, MN 55124	Conventional, HELOC	22 +56 HELOCs	0.6%	93.9%	$276,818	View
Ideal Credit Union 3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61%	Conventional, HELOC	19 +29 HELOCs	0.5%	85.7%	$163,421	View
Highland Bank 11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29%	Conventional, Jumbo	19	0.5%	95.2%	$239,736	View
Associated Bank NA 7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45%	Conventional, FHA, HELOC	15 +17 HELOCs	0.4%	84.2%	$285,000	View
Bridgewater Bank 7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43%	Conventional	14	0.4%	100%	$234,285	View
City & County Credit Union ★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52%	Conventional	14	0.4%	56%	$74,285	View
Bank of America NA 7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	12 +10 HELOCs	0.3%	75%	$305,833	View
Think Mutual Bank 15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90%	Conventional, HELOC	11 +2 HELOCs	0.3%	100%	$190,454	View
Coulee Bank 14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60%	Conventional	11	0.3%	100%	$228,636	View
St Paul Federal Credit Union 1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19%	Conventional	11	0.3%	100%	$197,727	View
BankCherokee 999 Village Center Dr, North Oaks, MN 55127 A+5.0 ★Texas Ratio: 0.11%	Conventional	10	0.3%	100%	$398,000	View
Luminate Home Loans, Inc. 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	Conventional	10	0.3%	100%	$222,000	View
Deerwood Bank 14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01%	Conventional, HELOC	9 +16 HELOCs	0.2%	90%	$162,777	View
Topline Financial Credit Union 900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54%	Conventional, HELOC	9 +12 HELOCs	0.2%	71.4%	$265,000	View
Security Bank & Trust Company 7101 West 78th Street, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 2.36%	Conventional	8	0.2%	100%	$220,000	View
BMO Harris Bank NA 412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	7 +11 HELOCs	0.2%	58.3%	$256,428	View
First Resource Bank 808 W Broadway Ave, Forest Lake, MN 55025 A+5.0 ★Texas Ratio: 0.72%	Conventional, Jumbo	7	0.2%	100%	$710,714	View
Associated Healthcare CU 4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 3.27%	Conventional	6	0.2%	75%	$58,333	View
Gateway Bank 4530 France Ave S, Edina, MN 55410 A+5.0 ★Texas Ratio: 0.01%	Conventional	6	0.2%	100%	$241,666	View
Frandsen Bank & Trust 410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91%	Conventional	6	0.2%	75%	$305,000	View
Premier Bank 1777 Bunker Lake Blvd Nw, Andover, MN 55304 A+5.0 ★Texas Ratio: 0.02%	Conventional, Jumbo	5	0.1%	83.3%	$727,000	View
21st Century Bank 4125 Ball Rd Ne, Blaine, MN 55014 A+5.0 ★Texas Ratio: 1.06%	Conventional	5	0.1%	83.3%	$391,000	View
Lake Elmo Bank 11020 39th St N, Lake Elmo, MN 55042 A5.0 ★Texas Ratio: 7.45%	Conventional	4	0.1%	83.3%	$235,000	View
Community Resource Bank 1230 4th St S, Cannon Falls, MN 55009 A5.0 ★Texas Ratio: 7.12%	Conventional	4	0.1%	100%	$202,500	View
Lakeview Bank ★ 5 stars, 1 review 9725 163rd St W, Lakeville, MN 55044 A5.0 ★Texas Ratio: 8.73%	Conventional	4	0.1%	100%	$140,000	View
Northeast Bank 200 Coon Rapids Blvd Nw, Coon Rapids, MN 55433 A+5.0 ★Texas Ratio: 2.50%	Conventional	4	0.1%	100%	$297,500	View
First State Bank and Trust 950 Highway 95 N, Bayport, MN 55003 A+5.0 ★Texas Ratio: 0.25%	Conventional	4	0.1%	66.7%	$160,000	View
Vermillion State Bank 255 33rd St W, Hastings, MN 55033 A+5.0 ★Texas Ratio: 1.51%	Conventional, Jumbo	4	0.1%	100%	$607,500	View
First Bank & Trust 234 1st Ave E, Cambridge, MN 55008 A+5.0 ★Texas Ratio: 3.79%	Conventional	3	0.1%	100%	$291,666	View
Security State Bank of Marine 21450 Forest Blvd N, Forest Lake, MN 55025 A+5.0 ★Texas Ratio: 0.92%	Conventional	3	0.1%	100%	$181,666	View
Novation Credit Union 45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19%	Conventional	3	0.1%	100%	$138,333	View
Great Southern Bank 6545 France Ave S Ste 130, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.55%	Conventional	3	0.1%	100%	$135,000	View
Cortrust Bank 2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11%	Conventional	3	0.1%	100%	$195,000	View
Heritage Bank NA 242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27%	Conventional	3	0.1%	80%	$318,333	View
Heartland Credit Union 4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$60,000	View
Tradition Capital Bank 7601 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.76%	Conventional	2	0.1%	100%	$5,000	View
Building Trades Federal Credit Union 9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58%	Conventional	2	0.1%	100%	$50,000	View
The Bank of Elk River 630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95%	Conventional	2	0.1%	100%	$305,000	View
First Independence Bank 3430 University Ave Se, Minneapolis, MN 55414 A+5.0 ★Texas Ratio: 4.91%	Conventional, Jumbo	2	0.1%	100%	$485,000	View
Platinum Bank 7667 10th St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.1%	100%	$435,000	View
Citizens Community Federal N.A. 2630 Bridge Ave, Albert Lea, MN 56007 A5.0 ★Texas Ratio: 12.61%	Conventional	2	0.1%	100%	$290,000	View
Minnwest Bank 113 N Main St, Belview, MN 56214 A+5.0 ★Texas Ratio: 5.77%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$285,000	View
First National Bank of Le Center 701 Ash St Ne, Lonsdale, MN 55046 A5.0 ★Texas Ratio: 13.86%	Conventional	1	0%	100%	$385,000	View
Mayo Employees Federal Credit Union 155 1st Ave SW, Rochester, MN 55902 A+5.0 ★Texas Ratio: 0.16%	Conventional, Jumbo	1	0%	100%	$845,000	View
The State Bank of Faribault 428 Central Ave N, Faribault, MN 55021 A5.0 ★Texas Ratio: 11.55%	Conventional	1	0%	100%	$85,000	View
SMW Financial Credit Union 700 Apollo Dr, Lino Lakes, MN 55014 3035 A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0%	100%	$85,000	View
Sharepoint Credit Union 13735 Round Lake Blvd NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 5.40%	Conventional	1	0%	100%	$185,000	View
Farmers & Merchants Savings Bank 7641 Lake Dr, Lino Lakes, MN 55014 A5.0 ★Texas Ratio: 9.19%	Conventional	1	0%	100%	$225,000	View
Alliance Bank 112 Broadway, Hanska, MN 56041 A+5.0 ★Texas Ratio: 0.05%	Conventional	1	0%	100%	$185,000	View
Sherburne State Bank 12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0%	100%	$45,000	View
Falcon National Bank 183 Cedar Dr, Foley, MN 56329 A+5.0 ★Texas Ratio: 5.11%	Conventional	1	0%	100%	$195,000	View
Bravera Bank 11102 57th St Ne, Albertville, MN 55301 A+5.0 ★Texas Ratio: 5.48%	Conventional	1	0%	100%	$95,000	View
American Federal Bank 201 E Main St S, Ada, MN 56510 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$355,000	View
First Farmers & Merchants National Bank 114 S Park St, Fairmont, MN 56031 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0%	100%	$805,000	View
Citizens Independent Bank 10901 Excelsior Blvd, Hopkins, MN 55343 A+5.0 ★Texas Ratio: 3.74%	Conventional	1	0%	100%	$215,000	View
Minnco Credit Union 2121 Station Pkwy NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 2.50%	Conventional	1	0%	50%	$45,000	View
SouthPoint Financial Credit Union 715 Crossroads Campus Dr NE, Buffalo, MN 55313 5074 A+5.0 ★Texas Ratio: 1.13%	Conventional	1	0%	100%	$125,000	View
Citizens Bank Minnesota 102 S Broadway, La Salle, MN 56056 A+5.0 ★Texas Ratio: 0.16%	Conventional	1	0%	100%	$65,000	View
Peoples State Bank of Plainview 411 N Main St, Altura, MN 55910 A-4.7 ★Texas Ratio: 9.93%	Conventional	1	0%	100%	$115,000	View
First Western Bank & Trust 3313 Highway 29 S, Alexandria, MN 56308 A-5.0 ★Texas Ratio: 15.55%	FHA	1	0%	50%	$165,000	View
Sentry Bank 4350 8th St N, Saint Cloud, MN 56303 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$155,000	View
Star Bank 460 Elm Street E, Annandale, MN 55302 B+4.7 ★Texas Ratio: 18.21%	Conventional	1	0%	100%	$155,000	View
Foresight Bank 501 Glen Street Sw, Eyota, MN 55934 C-3.7 ★Texas Ratio: 31.20%	Conventional	1	0%	100%	$245,000	View
Merchants Bank, National Association 7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28%	HELOC	0 +4 HELOCs	0%	n/a		View
Expedition Credit Union 14989 Florence Trl, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +2 HELOCs	0%	n/a		View
Umb Bank NA 7701 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View
Tradition Mortgage, LLC	Conventional, FHA	26	0.7%	100%	$313,846
Summit Mortgage Corporation	Conventional, FHA, Jumbo	18	0.5%	100%	$267,222
Servion	Conventional	11	0.3%	100%	$242,272
Cambria Financial Group	Conventional, FHA	10	0.3%	83.3%	$286,000
Bremer Bank NA	Conventional, HELOC	1 +3 HELOCs	0%	50%	$135,000
Thrivent Federal Credit Union	Conventional	1	0%	100%	$55,000
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	246 +4 HELOCs	6.5%	87.6%	$275,894
Rocket Mortgage	Conventional, FHA, VA	190	5.1%	79.3%	$235,578
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	145 +2 HELOCs	3.9%	96.7%	$303,000
Royal Credit Union A+5.0 ★Texas Ratio: 3.17%	Conventional, FHA, VA, HELOC	128 +31 HELOCs	3.4%	93.6%	$194,140	View
Fairway Independent Mort Corp	Conventional, FHA, VA	112	3%	95.7%	$240,357
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	95	2.5%	96%	$327,526
New American Funding, LLC.	Conventional, FHA, VA	67	1.8%	93.1%	$235,447
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	65 +2 HELOCs	1.7%	94.3%	$269,000
Movement Mortgage, LLC	Conventional, FHA, VA	64	1.7%	95.9%	$209,531
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	62	1.7%	87.7%	$355,967
Guild Mortgage Company	Conventional, FHA, VA	57	1.5%	100%	$278,157
Cmg Mortgage Inc	Conventional, FHA, USDA, HELOC	53 +5 HELOCs	1.4%	93.4%	$232,924
Everett Financial, Inc.	Conventional, FHA, VA	49	1.3%	100%	$231,122
Mortgage Research Center	Conventional, FHA, VA, Jumbo	43	1.1%	80.4%	$289,883
SWBC Mortgage Corporation	Conventional, FHA	40	1.1%	93.8%	$201,500
loanDepot.com LLC	Conventional, FHA, VA	37	1%	75.5%	$184,189
Guaranteed Rate Affinity, LLC	Conventional, FHA, Jumbo	33	0.9%	100%	$305,000
Newrez LLC	Conventional, FHA, VA	32	0.9%	76.2%	$230,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	27	0.7%	93.1%	$318,333
Paramount Residential Mortgage	Conventional, FHA	27	0.7%	96.4%	$212,777
Cardinal Financial Company, Li	Conventional, FHA	24	0.6%	89.3%	$192,500
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	22	0.6%	100%	$285,909
Primelending	Conventional, FHA	21	0.6%	100%	$232,142
Freedom Mortgage Corporation	Conventional, FHA, VA	20	0.5%	92.6%	$228,500
Nationstar Mortgage	Conventional, FHA, VA	20	0.5%	76.9%	$135,500
Megastar Finanacial Corp	Conventional, FHA	18	0.5%	100%	$375,555
Zillow Home Loans, LLC	Conventional, FHA	17	0.5%	94.4%	$269,705
Lower, LLC	Conventional, FHA	16	0.4%	100%	$200,000
Mason-McDuffie Mortgage Corporation	Conventional, FHA, VA	16	0.4%	88.9%	$313,125
Plaza Home Mortgage, Inc	Conventional, FHA, VA	16	0.4%	69.6%	$335,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	15	0.4%	93.8%	$261,666	View
Pulte Mortgage LLC	Conventional, VA	14	0.4%	93.3%	$467,857
Bay Equity LLC	Conventional, FHA	13	0.3%	92.9%	$361,153
Navy Federal Credit Union	Conventional, VA, HELOC	12 +6 HELOCs	0.3%	80%	$351,666
Resicentral LLC	Conventional	10	0.3%	92.3%	$328,000
Planet Home Lending, LLC	Conventional, FHA	10	0.3%	100%	$221,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	10	0.3%	100%	$246,000
American Pacific Mortgage Corporation	Conventional, FHA	10	0.3%	90.9%	$344,000
Union Home Mortgage Corp.	Conventional, FHA	9	0.2%	90%	$352,777
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	9	0.2%	75%	$128,333	View
Kind Lending, LLC	Conventional, FHA	8	0.2%	88.9%	$245,000
Nations Lending Corporation	Conventional, FHA, VA	8	0.2%	100%	$333,750
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	7	0.2%	100%	$413,571	View
Go Mortgage, LLC	Conventional, VA	7	0.2%	100%	$340,714
Sun West Mortgage Company, Inc	Conventional, FHA	7	0.2%	100%	$269,285
SIRVA Mortgage, Inc.	Conventional	7	0.2%	100%	$425,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA	7	0.2%	100%	$295,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	6 +5 HELOCs	0.2%	88.9%	$278,333	View
American Financial Resources LLC	Conventional, FHA	6	0.2%	100%	$321,666
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	6	0.2%	100%	$233,333
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.2%	38.9%	$301,666
Amerisave Mortgage Company	Conventional, FHA	6	0.2%	21.4%	$121,666
Synergy One Lending, Inc.	Conventional, FHA	6	0.2%	100%	$200,000
American Financial Network, Inc.	Conventional, FHA	6	0.2%	100%	$273,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.2%	75%	$243,333	View
Premier Lending Inc.	Conventional, FHA	6	0.2%	100%	$328,333
Florida Capital Bank, N.A	Conventional, FHA, Jumbo	6	0.2%	100%	$416,666
Provident Funding Associates	Conventional	5	0.1%	83.3%	$361,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	5	0.1%	62.5%	$191,000
Nations Direct Mortgage, LLC	Conventional, FHA, VA	5	0.1%	100%	$175,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	0.1%	85.7%	$515,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	5	0.1%	100%	$301,000
Genisys Credit Union	Conventional, HELOC	4 +3 HELOCs	0.1%	100%	$172,500
Sage Home Loans Corporation	Conventional	4	0.1%	80%	$390,000
Nbkc Bank	Conventional	4	0.1%	66.7%	$315,000
Discover Bank	Conventional	4	0.1%	23.5%	$77,500
Citizens State Bank A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.1%	80%	$367,500	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	4	0.1%	100%	$162,500
Carrington Mortgage Services LLC	Conventional, FHA	4	0.1%	46.2%	$205,000
Veridian Credit Union C3.9 ★Texas Ratio: 27.97%	Conventional, HELOC	3 +5 HELOCs	0.1%	100%	$208,333	View
Equity Prime Mortgage LLC	FHA, VA	3	0.1%	75%	$325,000
Home Mortgage Alliance Corp (Hmac)	Conventional	3	0.1%	75%	$245,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	3	0.1%	60%	$175,000	View
Click n' Close, Inc.	Conventional, FHA	3	0.1%	75%	$181,666
Westconsin Credit Union	Conventional	3	0.1%	100%	$125,000
Homeowners Financial Group, LLC	Conventional	3	0.1%	100%	$148,333
Iowa Bankers Mortgage Corporation	Conventional	3	0.1%	75%	$205,000
Uif Corporation	Conventional	3	0.1%	100%	$348,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.1%	75%	$268,333	View
V.I.P. Mortgage, Inc.	Conventional, FHA	3	0.1%	100%	$221,666
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.1%	100%	$755,000	View
Texana Bank	Conventional, VA	3	0.1%	100%	$248,333
The Loan Store, Inc	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$290,000
Alliant Credit Union	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$220,000
Goodleap, LLC	FHA, HELOC	2 +3 HELOCs	0.1%	44.4%	$290,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$275,000	View
American National Bank A5.0 ★Texas Ratio: 8.08%	Conventional, HELOC	2 +3 HELOCs	0.1%	66.7%	$130,000	View
Spring Eq, LLC	Conventional, HELOC	2 +2 HELOCs	0.1%	12.5%	$75,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.1%	100%	$480,000	View
Royal United Mortgage LLC	Conventional	2	0.1%	100%	$90,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.1%	100%	$635,000	View
ANECA Federal Credit Union	Conventional	2	0.1%	100%	$250,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	2	0.1%	66.7%	$285,000	View
Guidance Residential, LLC	Conventional	2	0.1%	100%	$285,000
AmeriHome Mortgage Company, LLC	FHA	2	0.1%	66.7%	$290,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA, VA	2	0.1%	100%	$280,000	View
Homestead Funding Corp.	Conventional	2	0.1%	100%	$345,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.1%	100%	$425,000	View
Success Mortgage Partners, Inc	Conventional	2	0.1%	100%	$260,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0.1%	100%	$405,000	View
Union Savings Bank	Conventional	2	0.1%	100%	$345,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.1%	100%	$305,000	View
Cortrust Mortgage, Inc. A+5.0 ★Texas Ratio: 5.11%	Conventional	2	0.1%	100%	$290,000	View
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$230,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	2	0.1%	100%	$230,000	View
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional	2	0.1%	100%	$310,000	View
State Departmenet Federal Credit Union	Conventional	2	0.1%	100%	$360,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	100%	$825,000	View
Champions Funding, LLC	Conventional	2	0.1%	66.7%	$310,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.1%	100%	$230,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +5 HELOCs	0%	100%	$355,000	View
Uw Credit Union	Conventional, HELOC	1 +4 HELOCs	0%	100%	$425,000
Valon Mortgage	FHA, HELOC	1 +2 HELOCs	0%	100%	$175,000
Altra Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	50%	$265,000
Bank Fund Staff Federal Credit	Conventional, HELOC	1 +1 HELOCs	0%	100%	$445,000
Dupaco Community Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$385,000
Ruoff Mortgage Company	VA	1	0%	100%	$305,000
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	1	0%	100%	$245,000
Reliabank Dakota A+5.0 ★Texas Ratio: 2.16%	Conventional	1	0%	100%	$165,000	View
Alameda Mortgage Corporation	Conventional	1	0%	100%	$195,000
Farmers State Bank A+5.0 ★Texas Ratio: 0.10%	Conventional	1	0%	100%	$305,000	View
Residential Wholesale Mortgage	Conventional	1	0%	100%	$725,000
Neighborhood Loans, Inc	Conventional	1	0%	100%	$15,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$185,000
The First National Bank of River Falls A+5.0 ★Texas Ratio: 2.74%	Conventional	1	0%	100%	$345,000	View
Contour Mortgage Corporation	Conventional	1	0%	100%	$115,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$135,000
Orchard Mortgage, LLC	Conventional	1	0%	100%	$265,000
Deephaven Mortgage LLC	Conventional	1	0%	100%	$355,000
AdvantageFirst Lending Inc	FHA	1	0%	50%	$215,000
AmWest Funding Corp	Conventional	1	0%	100%	$465,000
Bay-Valley Mortgage Group	Conventional	1	0%	100%	$385,000
HomeXpress Mortgage Corp.	Conventional	1	0%	50%	$265,000
Security Financial Bank A5.0 ★Texas Ratio: 11.46%	Conventional	1	0%	100%	$245,000	View
City 1st Mortgage Services, LC	Conventional	1	0%	100%	$155,000
Royal Pacific Funding	FHA	1	0%	100%	$295,000
American Financing Corporation	Conventional	1	0%	16.7%	$175,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$405,000	View
Home Mortgage Advisors, LLC	Conventional	1	0%	100%	$285,000
Nfm, Inc	FHA	1	0%	100%	$315,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$415,000	View
Guardian Savings Bank A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0%	100%	$315,000	View
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$175,000
New Day Financial, LLC.	VA	1	0%	50%	$125,000
Servis One, Inc	VA	1	0%	100%	$215,000
First National Community Bank A+5.0 ★Texas Ratio: 1.08%	Conventional	1	0%	100%	$235,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$265,000	View
First International Bank & Trust	Conventional	1	0%	100%	$245,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$195,000	View
T2 Financial LLC	Conventional	1	0%	100%	$655,000
Hometown Equity Mortgage, LLC	Conventional	1	0%	100%	$275,000
Integrity Home Mortgage Corporation	Conventional	1	0%	100%	$225,000
Geneva Financial LLC	Conventional	1	0%	100%	$215,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$565,000	View
Milend, Inc	Conventional	1	0%	100%	$315,000
Empeople Credit Union	Conventional	1	0%	100%	$125,000
Mission Loans, LLC	VA	1	0%	100%	$235,000
Towne Mortgage Company	Conventional	1	0%	100%	$265,000
Pentagon Federal Credit Union	Conventional	1	0%	100%	$675,000
Pike Creek Mortgage Services, Inc.	FHA	1	0%	100%	$305,000
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$395,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0%	100%	$985,000	View
Bank Five Nine A5.0 ★Texas Ratio: 8.25%	Conventional	1	0%	100%	$265,000	View
Consumers Credit Union	Conventional	1	0%	100%	$295,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA	1	0%	25%	$265,000	View
Reliance First Capital, LLC	FHA	1	0%	100%	$195,000
Loan Simple, Inc.	FHA	1	0%	100%	$265,000
Village Capital & Investment	VA	1	0%	25%	$405,000
JMAC Lending, Inc.	Conventional	1	0%	100%	$95,000
Figure Lending LLC	HELOC	0 +23 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +14 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +5 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
United Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Summit Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Midwestone Bank	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank A+5.0 ★Texas Ratio: 3.36%	HELOC	0 +1 HELOCs	0%	n/a		View
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	0%

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. Paul 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. Paul, Minnesota

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

Types of Mortgage Lenders in St. Paul, MN

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

Mortgage companies and brokers 118 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 110 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 39 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 87 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 41 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 29 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MN 65 lenders headquartered in Minnesota, the closest thing to a mortgage lender near you

Who Lends in St. Paul, MN

Independent mortgage companies closed 52.2 percent of home loans in St. Paul, Minnesota in 2025, banks 31.1 percent and credit unions 16.7 percent. Luminate Home Loans, Inc. was the largest mortgage company, Drake Bank the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Drake Bank led with 6 loans.

52.2%

Mortgage companies

31.1%

Banks

16.7%

Credit unions

11%

FHA loans

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 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 St. Cloud 152 lenders Brooklyn Park 153 lenders Coon Rapids 153 lenders

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

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

By home loans closed in 2025, Drake Bank was the largest mortgage lender in St. Paul, Minnesota with 6 loans, about 0.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in St. Paul, Minnesota, Luminate Bank approved the highest share of completed applications in 2025 at 100 percent, against a 87.5 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. Paul, MN mortgage lenders offer FHA, VA and USDA loans?

87 lenders closed FHA loans in St. Paul, Minnesota in 2025, led by United Wholesale Mortgage with 53. 41 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. Paul, MN lender list?

Yes. 110 banks and 39 credit unions closed home loans in St. Paul, Minnesota in 2025, alongside 118 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. Paul, MN ranked on this page?

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