Mortgage Lenders and Brokers in St. Stephen, 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
St. Stephen, 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%, 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%, BankvistaBankvista1420 White Oak Dr, Chaska, MN 55318A5.0 ★Texas Ratio: 11.00%, American Heritage National BankAmerican Heritage National Bank104 Avon Ave N, Avon, MN 56310A+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%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, and Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%. 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. Stephen, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Stephen 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. Stephen, Minnesota
Market share is the lender's share of all home loans closed in St. Stephen, 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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5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 11 | 11% | 91.7% | $161,363 | View |
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730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 11 | 11% | 100% | $241,363 | View |
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4350 8th St N, Saint Cloud, MN 56303 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 6 | 6% | 100% | $325,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, Jumbo | 5 | 5% | 100% | $945,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 3 +5 HELOCs |
3% | 100% | $245,000 | View |
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1420 White Oak Dr, Chaska, MN 55318 A5.0 ★Texas Ratio: 11.00% |
Conventional | 3 | 3% | 100% | $235,000 | View |
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104 Avon Ave N, Avon, MN 56310 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 2 | 2% | 100% | $655,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +3 HELOCs |
1% | 100% | $305,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 50% | $255,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $65,000 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, Jumbo | 1 | 1% | 100% | $1,845,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 1% | 100% | $265,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1% | 100% | $265,000 | View |
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12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 1% | 100% | $495,000 | View |
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122 N Broad St, Mankato, MN 56001 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1% | 100% | $215,000 | View |
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222 Atlantic Ave, Atwater, MN 56209 A-5.0 ★Texas Ratio: 14.49% |
Conventional | 1 | 1% | 100% | $195,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Bremer Bank NA
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Conventional, HELOC | 3 +1 HELOCs |
3% | 100% | $368,333 | |
Servion
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Conventional | 1 | 1% | 100% | $205,000 | |
Primelending
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Conventional, FHA, VA | 6 | 6% | 100% | $300,000 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 4% | 100% | $325,000 | |
Homeowners Financial Group, LLC
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Conventional | 4 | 4% | 100% | $275,000 | |
Plaza Home Mortgage, Inc
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Conventional | 4 | 4% | 80% | $277,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 3 | 3% | 100% | $521,666 | |
Rocket Mortgage
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Conventional | 2 | 2% | 100% | $205,000 | |
Compeer Financial
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Conventional | 2 | 2% | 66.7% | $235,000 | |
Credit Union 1
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Conventional | 2 | 2% | 100% | $130,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 2% | 100% | $460,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1% | 100% | $735,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 1% | 100% | $405,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1% | 50% | $265,000 | |
Newrez LLC
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Conventional | 1 | 1% | 100% | $505,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1% | 100% | $155,000 | |
loanDepot.com LLC
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Conventional | 1 | 1% | 100% | $85,000 | |
Guild Mortgage Company
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Conventional | 1 | 1% | 100% | $395,000 | |
Gate City Bank
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Conventional | 1 | 1% | 100% | $25,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1% | 100% | $445,000 | |
New American Funding, LLC.
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VA | 1 | 1% | 100% | $315,000 | |
Lower, LLC
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Conventional | 1 | 1% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 1% | 100% | $245,000 | View |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 1% | 100% | $85,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1% | 100% | $455,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 1% | 100% | $445,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 1% | 100% | $355,000 | |
Village Capital & Investment
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VA | 1 | 1% | 100% | $245,000 |
St. Stephen 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 St. Stephen, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in St. Stephen? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Stephen in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Stephen, MN
Use these to narrow the list above. Each category shows how many St. Stephen, MN lenders fit and what that kind of lender is usually best for.
Who Lends in St. Stephen, MN
Independent mortgage companies closed 35 percent of home loans in St. Stephen, Minnesota in 2025, banks 47 percent and credit unions 18 percent. Servion 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 11 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 St. Stephen, MN
By home loans closed in 2025, St. Cloud Financial Credit Union was the largest mortgage lender in St. Stephen, Minnesota with 11 loans, about 11 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in St. Stephen, Minnesota in 2025, led by CrossCountry Mortgage, LLC with 2. 5 lenders closed VA loans, led by Primelending. 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. 19 banks and 5 credit unions closed home loans in St. Stephen, Minnesota in 2025, alongside 21 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 St. Stephen, 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. Stephen, 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. Stephen. 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.
