Mortgage Lenders and Brokers in Vadnais Heights, 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
Vadnais Heights, Minnesota mortgage lenders include Farmers & Merchants Savings BankFarmers & Merchants Savings Bank845 East County Road 32, Vadnais Heights, MN 55127A5.0 ★Texas Ratio: 9.19%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union940 County Road E E, Vadnais Heights, MN 55127 7192A5.0 ★Texas Ratio: 6.19%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%, 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%, Alerus Financial NAAlerus Financial NA143 W Clark St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 3.32%, Huntington National BankHuntington National Bank405 E Main St, Anoka, MN 55303A+5.0 ★Texas Ratio: 3.66%, Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%, and Luminate BankLuminate Bank208 W Front St, Claremont, MN 55924A5.0 ★Texas Ratio: 11.06%. 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 Vadnais Heights, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vadnais Heights 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 Vadnais Heights, Minnesota
Market share is the lender's share of all home loans closed in Vadnais Heights, 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 Vadnais Heights 845 East County Road 32, Vadnais Heights, MN 55127 A5.0 ★Texas Ratio: 9.19% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, Jumbo, HELOC | 24 +2 HELOCs |
9.6% | 100% | $352,500 | View |
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940 County Road E E, Vadnais Heights, MN 55127 7192 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 12 +9 HELOCs |
4.8% | 93.3% | $247,500 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 10 +4 HELOCs |
4% | 100% | $90,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 8 +9 HELOCs |
3.2% | 100% | $351,250 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 6 +1 HELOCs |
2.4% | 100% | $273,333 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 5 +2 HELOCs |
2% | 100% | $271,000 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +2 HELOCs |
2% | 100% | $417,000 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 2% | 83.3% | $189,000 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 1.6% | 100% | $280,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 3 +2 HELOCs |
1.2% | 75% | $158,333 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 3 | 1.2% | 100% | $341,666 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 3 | 1.2% | 100% | $141,666 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional | 2 | 0.8% | 100% | $410,000 | 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 |
0.4% | 100% | $615,000 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $205,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $205,000 | View |
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4801 E Superior St, Duluth, MN 55804 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $475,000 | View |
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7601 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.76% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.4% | 100% | $25,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 1 | 0.4% | 100% | $165,000 | 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 | 1 | 0.4% | 33.3% | $65,000 | View |
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4470 W 78th Street Cir, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 1 | 0.4% | 100% | $555,000 | View |
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1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14985 Glazier Ave, Apple Valley, MN 55124 |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Servion
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Cambria Financial Group
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $415,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 8% | 83.3% | $355,500 | |
Rocket Mortgage
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Conventional, FHA, HELOC | 10 +1 HELOCs |
4% | 83.3% | $154,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 8 | 3.2% | 80% | $435,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 2.8% | 87.5% | $202,142 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 6 +4 HELOCs |
2.4% | 100% | $323,333 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 6 | 2.4% | 100% | $165,000 | |
loanDepot.com LLC
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Conventional | 5 | 2% | 100% | $361,000 | |
Movement Mortgage, LLC
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Conventional | 5 | 2% | 100% | $295,000 | |
Mortgage Research Center
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VA | 5 | 2% | 62.5% | $331,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 5 | 2% | 100% | $285,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 1.6% | 100% | $485,000 | |
Guild Mortgage Company
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Conventional | 4 | 1.6% | 100% | $410,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.2% | 100% | $368,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.2% | 100% | $208,333 | |
New American Funding, LLC.
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Conventional | 3 | 1.2% | 80% | $271,666 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 2 | 0.8% | 66.7% | $335,000 | |
Primelending
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Conventional | 2 | 0.8% | 100% | $525,000 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 0.8% | 100% | $285,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.8% | 100% | $435,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.8% | 100% | $200,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.8% | 66.7% | $315,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.8% | 66.7% | $615,000 | |
Lower, LLC
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Conventional | 2 | 0.8% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $565,000 | View |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 33.3% | $165,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 50% | $385,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.4% | 100% | $185,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 25% | $95,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.4% | 100% | $545,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $195,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $765,000 | |
Summit Credit Union
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $175,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $295,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Megastar Finanacial Corp
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $465,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.4% | 100% | $235,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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A5.0 ★Texas Ratio: 7.43% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 16.7% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
Plaza Home Mortgage, Inc
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VA | 1 | 0.4% | 100% | $205,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Vadnais Heights 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 Vadnais Heights, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in Vadnais Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Vadnais Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Vadnais Heights, MN
Use these to narrow the list above. Each category shows how many Vadnais Heights, MN lenders fit and what that kind of lender is usually best for.
Who Lends in Vadnais Heights, MN
Independent mortgage companies closed 51.4 percent of home loans in Vadnais Heights, Minnesota in 2025, banks 31.5 percent and credit unions 17.1 percent. Servion was the largest mortgage company, Farmers & Merchants Savings Bank the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, Blaze Credit Union led with 12 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 Vadnais Heights, MN
By home loans closed in 2025, Farmers & Merchants Savings Bank was the largest mortgage lender in Vadnais Heights, Minnesota with 1 loans, about 0.4 percent of the market. The largest lender headquartered in Minnesota was Blaze Credit Union with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Vadnais Heights, Minnesota in 2025, led by United Wholesale Mortgage with 4. 8 lenders closed VA loans, led by Mortgage Research Center. 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. 32 banks and 13 credit unions closed home loans in Vadnais Heights, Minnesota in 2025, alongside 49 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 Vadnais Heights, 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 Vadnais Heights, 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 Vadnais Heights. 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.
