Mortgage Lenders and Brokers in Stillwater, 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
Stillwater, Minnesota mortgage lenders include Bell BankBell Bank13999 60th St N, Stillwater, MN 55082A+5.0 ★Texas Ratio: 3.66%, Lake Elmo BankLake Elmo Bank1937 Greeley St S, Stillwater, MN 55082A5.0 ★Texas Ratio: 7.45%, Wells Fargo Bank NAWells Fargo Bank NA2000 Northwestern Ave S, Stillwater, MN 55082A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.213 Chestnut St E, Stillwater, MN 55082A+5.0 ★Texas Ratio: 2.85%, First Resource BankFirst Resource Bank1946 Washington Ave S, Stillwater, MN 55082A+5.0 ★Texas Ratio: 0.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5907 Neal Ave N, Stillwater, MN 55082A+5.0 ★Texas Ratio: 3.68%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, First State Bank and TrustFirst State Bank and Trust125 New England Pl, Stillwater, MN 55082A+5.0 ★Texas Ratio: 0.25%, 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 Stillwater, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Stillwater 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 Stillwater, Minnesota
Market share is the lender's share of all home loans closed in Stillwater, 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 Stillwater 13999 60th St N, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 43 +7 HELOCs |
10.8% | 93.5% | $402,209 | View |
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2 offices in Stillwater 1937 Greeley St S, Stillwater, MN 55082 A5.0 ★Texas Ratio: 7.45% |
Conventional, Jumbo | 18 | 4.5% | 94.7% | $313,333 | View |
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1 office in Stillwater 2000 Northwestern Ave S, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 12 | 3% | 92.3% | $368,333 | View |
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2 offices in Stillwater 213 Chestnut St E, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 10 +11 HELOCs |
2.5% | 66.7% | $319,000 | View |
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1 office in Stillwater 1946 Washington Ave S, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 0.72% |
Conventional, Jumbo | 3 | 0.8% | 100% | $528,333 | View |
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1 office in Stillwater 5907 Neal Ave N, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, Jumbo, HELOC | 13 +6 HELOCs |
3.3% | 86.7% | $204,230 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 13 +2 HELOCs |
3.3% | 81.2% | $143,461 | View |
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125 New England Pl, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 7 | 1.8% | 70% | $197,857 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 6 +6 HELOCs |
1.5% | 100% | $455,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 6 +6 HELOCs |
1.5% | 90% | $83,333 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 6 | 1.5% | 100% | $310,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 3 +5 HELOCs |
0.8% | 60% | $391,666 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 3 +3 HELOCs |
0.8% | 100% | $478,333 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 3 +2 HELOCs |
0.8% | 100% | $325,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 3 +1 HELOCs |
0.8% | 100% | $221,666 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 3 | 0.8% | 100% | $405,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 3 | 0.8% | 100% | $108,333 | View |
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★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52% |
Conventional | 3 | 0.8% | 75% | $131,666 | View |
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1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 3 | 0.8% | 100% | $311,666 | View |
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2020 Washington Ave S, Stillwater, MN 55082 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 2 +15 HELOCs |
0.5% | 42.9% | $60,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo | 2 | 0.5% | 50% | $1,740,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional, Jumbo | 2 | 0.5% | 100% | $970,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $205,000 | View |
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7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $395,000 | View |
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15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $495,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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6545 France Ave S Ste 130, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
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7667 10th St N, Oakdale, MN 55128 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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321 Washburn Ave, Belgrade, MN 56312 A+5.0 ★Texas Ratio: 4.45% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Tradition Mortgage, LLC
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Conventional, Jumbo | 9 | 2.3% | 100% | $453,888 | |
Bremer Bank NA
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Conventional | 2 | 0.5% | 100% | $520,000 | |
Summit Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $305,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
7.1% | 96.7% | $422,142 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 27 | 6.8% | 81.8% | $294,629 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 18 | 4.5% | 94.7% | $454,444 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, Jumbo, HELOC | 11 +13 HELOCs |
2.8% | 84.6% | $535,000 | View |
Cmg Mortgage Inc
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Conventional, VA, USDA, HELOC | 9 +1 HELOCs |
2.3% | 100% | $363,888 | |
New American Funding, LLC.
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Conventional, FHA, VA | 8 | 2% | 88.9% | $388,750 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 7 | 1.8% | 80% | $479,285 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 1.3% | 100% | $359,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 5 | 1.3% | 83.3% | $213,000 | |
SWBC Mortgage Corporation
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Conventional | 4 | 1% | 100% | $380,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 4 | 1% | 80% | $712,500 | |
Guild Mortgage Company
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Conventional | 4 | 1% | 100% | $435,000 | |
Cardinal Financial Company, Li
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Conventional | 4 | 1% | 100% | $367,500 | |
Nationstar Mortgage
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Conventional, VA | 4 | 1% | 80% | $237,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 4 | 1% | 80% | $432,500 | View |
Spring Eq, LLC
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Conventional | 4 | 1% | 80% | $97,500 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 4 | 1% | 100% | $217,500 | |
Provident Funding Associates
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Conventional | 3 | 0.8% | 100% | $398,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.5% | 100% | $425,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.5% | 100% | $310,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 0.5% | 100% | $400,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.5% | 66.7% | $60,000 | |
Westconsin Credit Union
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Conventional | 2 | 0.5% | 100% | $110,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.5% | 100% | $290,000 | |
Lower, LLC
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Conventional | 2 | 0.5% | 100% | $350,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $405,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $695,000 | View |
Alliant Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $235,000 | |
Genisys Credit Union
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Conventional | 1 | 0.3% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Newrez LLC
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.3% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
Valon Mortgage
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Conventional | 1 | 0.3% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $35,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $755,000 | |
Summit Credit Union
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Conventional | 1 | 0.3% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.08% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $325,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 100% | $765,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.3% | 100% | $535,000 | View |
Mortgage Research Center
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VA | 1 | 0.3% | 50% | $265,000 | |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 100% | $365,000 | |
The Loan Store, Inc
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FHA | 1 | 0.3% | 100% | $505,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $775,000 | View |
Stanford Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.08% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Plaza Home Mortgage, Inc
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VA | 1 | 0.3% | 50% | $425,000 | |
Ohnward Bank and Trust
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $475,000 | |
Midwestone Bank
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Elements Financial Federal Cre
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Stillwater 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 Stillwater, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Stillwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Stillwater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Stillwater, MN
Use these to narrow the list above. Each category shows how many Stillwater, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Stillwater, MN
Independent mortgage companies closed 45.8 percent of home loans in Stillwater, Minnesota in 2025, banks 37 percent and credit unions 17.1 percent. Luminate Home Loans, Inc. was the largest mortgage company, Bell Bank the largest bank and Trustone Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Lake Elmo Bank led with 18 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 Stillwater, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in Stillwater, Minnesota with 43 loans, about 10.8 percent of the market. The largest lender headquartered in Minnesota was Lake Elmo Bank with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Stillwater, Minnesota in 2025, led by United Wholesale Mortgage with 5. 13 lenders closed VA loans, led by United Wholesale Mortgage, 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. 42 banks and 22 credit unions closed home loans in Stillwater, Minnesota in 2025, alongside 46 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 Stillwater, 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 Stillwater, 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 Stillwater. 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.
