Mortgage Lenders and Brokers in West St. Paul, 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
West St. Paul, Minnesota mortgage lenders include 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%, Luminate BankLuminate Bank208 W Front St, Claremont, MN 55924A5.0 ★Texas Ratio: 11.06%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Wings Financial Credit UnionWings Financial Credit Union14985 Glazier Ave, Apple Valley, MN 55124, Wells Fargo Bank NAWells Fargo Bank NA122 E Main St, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 5.36%, Huntington National BankHuntington National Bank405 E Main St, Anoka, MN 55303A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, Granite BankGranite Bank11660 Theatre Dr N, Champlin, MN 55316A5.0 ★Texas Ratio: 13.85%, and Ideal Credit UnionIdeal Credit Union3225 Denmark Ave, Eagan, MN 55121 1382A+5.0 ★Texas Ratio: 5.61%. 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 West St. Paul, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West 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 West St. Paul, Minnesota
Market share is the lender's share of all home loans closed in West 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 |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 19 +3 HELOCs |
5.7% | 100% | $291,842 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 14 +8 HELOCs |
4.2% | 87.5% | $105,714 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 10 | 3% | 100% | $331,000 | View |
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331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 9 +4 HELOCs |
2.7% | 81.8% | $228,333 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 8 +6 HELOCs |
2.4% | 100% | $278,750 | View |
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122 E Main St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 6 | 1.8% | 75% | $211,666 | View |
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405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +5 HELOCs |
1.5% | 85.7% | $253,000 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 5 +5 HELOCs |
1.5% | 77.8% | $199,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 5 | 1.5% | 100% | $271,000 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 4 +2 HELOCs |
1.2% | 57.1% | $122,500 | View |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 3 +3 HELOCs |
0.9% | 100% | $215,000 | 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 |
0.9% | 100% | $345,000 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.9% | 75% | $305,000 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.9% | 100% | $268,333 | View |
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999 Village Center Dr, North Oaks, MN 55127 A+5.0 ★Texas Ratio: 0.11% |
Conventional | 3 | 0.9% | 100% | $195,000 | View |
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112 Broadway, Hanska, MN 56041 A+5.0 ★Texas Ratio: 0.05% |
Conventional | 3 | 0.9% | 100% | $341,666 | View |
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2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43% |
Conventional | 3 | 0.9% | 100% | $258,333 | View |
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4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $40,000 | View |
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60 Plato Blvd E, Saint Paul, MN 55107 F1.0 ★Texas Ratio: 77.33% |
Conventional | 2 | 0.6% | 100% | $280,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 0.6% | 100% | $35,000 | View |
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101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $45,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $195,000 | View |
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7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $175,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $15,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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101 Old Town Rd, Elko New Market, MN 55054 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $205,000 | 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 | 0.3% | 100% | $75,000 | View |
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2850 Cutters Grove Ave, Anoka, MN 55303 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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102 S Broadway, La Salle, MN 56056 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 1 | 0.3% | 50% | $195,000 | View |
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242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
Tradition Mortgage, LLC
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Conventional | 8 | 2.4% | 100% | $187,500 | |
Cambria Financial Group
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Conventional | 3 | 0.9% | 100% | $308,333 | |
Servion
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Summit Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $345,000 | |
M/I Financial. LLC
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Conventional, FHA | 21 | 6.3% | 100% | $321,666 | |
United Wholesale Mortgage
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Conventional, VA | 19 | 5.7% | 90.5% | $333,421 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 18 | 5.4% | 100% | $216,666 | |
Rocket Mortgage
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Conventional, FHA | 17 | 5.1% | 81% | $206,176 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 16 | 4.8% | 100% | $280,000 | |
New American Funding, LLC.
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Conventional, FHA | 9 | 2.7% | 100% | $210,555 | |
Nationstar Mortgage
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Conventional, FHA | 8 | 2.4% | 88.9% | $143,750 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, HELOC | 7 +2 HELOCs |
2.1% | 100% | $285,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 6 | 1.8% | 100% | $288,333 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 5 | 1.5% | 100% | $313,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 1.5% | 100% | $439,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 4 | 1.2% | 100% | $265,000 | |
Everett Financial, Inc.
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Conventional, FHA | 4 | 1.2% | 100% | $217,500 | |
Guild Mortgage Company
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Conventional | 4 | 1.2% | 100% | $330,000 | |
Movement Mortgage, LLC
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Conventional | 3 | 0.9% | 100% | $295,000 | |
loanDepot.com LLC
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FHA | 3 | 0.9% | 100% | $258,333 | |
Union Home Mortgage Corp.
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Conventional, VA | 3 | 0.9% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.9% | 100% | $261,666 | |
Alameda Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $190,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $125,000 | |
Newrez LLC
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Conventional | 2 | 0.6% | 66.7% | $320,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $385,000 | |
Allied Mortgage Group, Inc
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Conventional | 2 | 0.6% | 100% | $285,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.6% | 100% | $155,000 | |
Planet Home Lending, LLC
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Conventional | 2 | 0.6% | 100% | $310,000 | |
Mortgage Research Center
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Conventional, VA | 2 | 0.6% | 40% | $260,000 | |
Megastar Finanacial Corp
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Conventional | 2 | 0.6% | 100% | $350,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $195,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $725,000 | View |
Go Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Developer's Mortgage Company
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $725,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Empeople Credit Union
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Uif Corporation
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $285,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.3% | 100% | $185,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 50% | $95,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
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 +3 HELOCs |
0% | n/a | View | |
Midwestone Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Uw Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
West St. Paul 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 West St. Paul, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in West St. Paul? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West St. Paul in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West St. Paul, MN
Use these to narrow the list above. Each category shows how many West St. Paul, MN lenders fit and what that kind of lender is usually best for.
Who Lends in West St. Paul, MN
Independent mortgage companies closed 58.8 percent of home loans in West St. Paul, Minnesota in 2025, banks 26.6 percent and credit unions 14.6 percent. Tradition Mortgage, LLC was the largest mortgage company, Bell Bank the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Affinity Plus Federal Credit Union led with 14 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 West St. Paul, MN
By home loans closed in 2025, Bell Bank was the largest mortgage lender in West St. Paul, Minnesota with 19 loans, about 5.7 percent of the market. The largest lender headquartered in Minnesota was Affinity Plus Federal Credit Union with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in West St. Paul, Minnesota in 2025, led by M/I Financial. LLC with 5. 9 lenders closed VA loans, led by Pennymac Loan Services LLC. 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. 29 banks and 15 credit unions closed home loans in West St. Paul, Minnesota in 2025, alongside 50 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 West 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 West 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 West 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.
