Mortgage Lenders and Brokers in White Bear Lake, 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
White Bear Lake, Minnesota mortgage lenders include US Bank, N.A.US Bank, N.A.4700 Clark Ave, White Bear Lake, MN 55110A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA4400 Highway 61 N, White Bear Lake, MN 55110A+5.0 ★Texas Ratio: 5.36%, Old National BankOld National Bank4600 White Bear Pkwy, White Bear Lake, MN 55110A+5.0 ★Texas Ratio: 4.98%, Huntington National BankHuntington National Bank1059 Meadowlands Dr, White Bear Lake, MN 55127A+5.0 ★Texas Ratio: 3.66%, Premier BankPremier Bank2151 3rd St, White Bear Lake, MN 55110A+5.0 ★Texas Ratio: 0.02%, 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%, 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 White Bear Lake, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in White Bear Lake 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 White Bear Lake, Minnesota
Market share is the lender's share of all home loans closed in White Bear Lake, 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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2 offices in White Bear Lake 4700 Clark Ave, White Bear Lake, MN 55110 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 23 +32 HELOCs |
4% | 85.2% | $198,043 | View |
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1 office in White Bear Lake 4400 Highway 61 N, White Bear Lake, MN 55110 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, Jumbo | 17 | 2.9% | 81% | $386,176 | View |
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1 office in White Bear Lake 4600 White Bear Pkwy, White Bear Lake, MN 55110 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 5 +1 HELOCs |
0.9% | 100% | $307,000 | View |
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1 office in White Bear Lake 1059 Meadowlands Dr, White Bear Lake, MN 55127 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 4 +14 HELOCs |
0.7% | 62.5% | $360,000 | View |
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1 office in White Bear Lake 2151 3rd St, White Bear Lake, MN 55110 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 2 | 0.3% | 100% | $165,000 | View |
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1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 55 +7 HELOCs |
9.5% | 98.2% | $276,454 | View |
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1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 21 +7 HELOCs |
3.6% | 91.3% | $158,809 | View |
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2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, FHA, HELOC | 19 +9 HELOCs |
3.3% | 90.5% | $181,315 | View |
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10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 13 +16 HELOCs |
2.3% | 88.9% | $164,230 | View |
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3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 10 +15 HELOCs |
1.7% | 85.7% | $158,000 | View |
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11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 7 | 1.2% | 100% | $283,571 | View |
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143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional, Jumbo, HELOC | 6 +4 HELOCs |
1% | 100% | $511,666 | View |
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11020 39th St N, Lake Elmo, MN 55042 A5.0 ★Texas Ratio: 7.45% |
Conventional, Jumbo | 6 | 1% | 100% | $363,333 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 6 | 1% | 100% | $320,000 | View |
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21450 Forest Blvd N, Forest Lake, MN 55025 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 4 | 0.7% | 100% | $277,500 | View |
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14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, HELOC | 3 +5 HELOCs |
0.5% | 100% | $345,000 | View |
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45 Hassan St SE, Hutchinson, MN 55350 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 3 | 0.5% | 100% | $31,666 | View |
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208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 3 | 0.5% | 100% | $155,000 | 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 | 3 | 0.5% | 75% | $131,666 | View |
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15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 100% | $205,000 | View |
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7641 Lake Dr, Lino Lakes, MN 55014 A5.0 ★Texas Ratio: 9.19% |
Conventional | 2 | 0.3% | 100% | $230,000 | View |
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14800 Galaxie Ave Ste 105, Apple Valley, MN 55124 C+4.1 ★Texas Ratio: 25.60% |
Conventional | 2 | 0.3% | 100% | $270,000 | View |
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1330 Conway St Ste 200, Saint Paul, MN 55106 A+5.0 ★Texas Ratio: 1.19% |
Conventional | 2 | 0.3% | 100% | $160,000 | View |
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410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 2 | 0.3% | 100% | $200,000 | 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 |
0.2% | 50% | $355,000 | View |
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14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $295,000 | View |
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641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | View |
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900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | View |
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4801 E Superior St, Duluth, MN 55804 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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183 Cedar Dr, Foley, MN 56329 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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255 33rd St W, Hastings, MN 55033 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
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7701 France Ave S, Edina, MN 55435 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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4001 Lexington Ave N, Arden Hills, MN 55126 A+5.0 ★Texas Ratio: 4.68% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Summit Mortgage Corporation
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Conventional, VA, Jumbo | 13 | 2.3% | 100% | $347,307 | |
Tradition Mortgage, LLC
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Conventional | 5 | 0.9% | 100% | $353,000 | |
Servion
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Cambria Financial Group
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 38 +1 HELOCs |
6.6% | 88.6% | $309,210 | |
Rocket Mortgage
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Conventional, FHA | 38 | 6.6% | 87.5% | $211,315 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 29 +1 HELOCs |
5% | 100% | $331,896 | |
Fairway Independent Mort Corp
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Conventional, FHA | 22 | 3.8% | 100% | $329,545 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 20 | 3.5% | 100% | $400,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 11 | 1.9% | 91.7% | $350,454 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
1.7% | 100% | $339,000 | |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional, VA, Jumbo, HELOC | 9 +12 HELOCs |
1.6% | 90% | $369,444 | View |
SWBC Mortgage Corporation
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Conventional | 8 | 1.4% | 100% | $323,750 | |
Movement Mortgage, LLC
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Conventional | 8 | 1.4% | 88.9% | $166,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 1.4% | 61.5% | $285,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 8 | 1.4% | 100% | $308,750 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 1.2% | 100% | $290,714 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.2% | 77.8% | $242,142 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 6 | 1% | 100% | $296,666 | |
Newrez LLC
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Conventional, FHA | 5 | 0.9% | 62.5% | $363,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 5 | 0.9% | 85.7% | $195,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 5 | 0.9% | 100% | $261,000 | |
Mortgage Research Center
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VA | 5 | 0.9% | 100% | $341,000 | |
Everett Financial, Inc.
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Conventional, Jumbo | 4 | 0.7% | 80% | $600,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 0.7% | 100% | $117,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.7% | 100% | $237,500 | |
Mason-McDuffie Mortgage Corporation
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Conventional, VA | 4 | 0.7% | 100% | $315,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 3 | 0.5% | 100% | $181,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 0.5% | 60% | $361,666 | View |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.3% | 100% | $330,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.3% | 100% | $340,000 | |
Resicentral LLC
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Conventional | 2 | 0.3% | 100% | $415,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.3% | 100% | $310,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.3% | 100% | $305,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 50% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 100% | $260,000 | View |
Bay Equity LLC
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Conventional | 2 | 0.3% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.3% | 100% | $295,000 | View |
Waterstone Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $260,000 | |
Megastar Finanacial Corp
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Conventional | 2 | 0.3% | 100% | $370,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.3% | 66.7% | $245,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $370,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.3% | 40% | $45,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.3% | 100% | $250,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.3% | 100% | $305,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 20% | $35,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Kind Lending, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $275,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.2% | 100% | $465,000 | |
Westconsin Credit Union
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $355,000 | |
Summit Credit Union
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.2% | 100% | $245,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.2% | 100% | $365,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $435,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Saygo Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $505,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,425,000 | View |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.2% | 50% | $385,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Genisys Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Midwestone Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
White Bear Lake 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 White Bear Lake, Minnesota
Looking for mortgage lenders near me or mortgage brokers near me in White Bear Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in White Bear Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in White Bear Lake, MN
Use these to narrow the list above. Each category shows how many White Bear Lake, MN lenders fit and what that kind of lender is usually best for.
Who Lends in White Bear Lake, MN
Independent mortgage companies closed 55.8 percent of home loans in White Bear Lake, Minnesota in 2025, banks 28.9 percent and credit unions 15.3 percent. Luminate Home Loans, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Affinity Plus Federal Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA led with 17 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 White Bear Lake, MN
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in White Bear Lake, Minnesota with 23 loans, about 4 percent of the market. The largest lender headquartered in Minnesota was Wells Fargo Bank NA with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in White Bear Lake, Minnesota, Bell Bank approved the highest share of completed applications in 2025 at 98.2 percent, against a 90.4 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.
30 lenders closed FHA loans in White Bear Lake, Minnesota in 2025, led by United Wholesale Mortgage with 9. 16 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.
Yes. 38 banks and 20 credit unions closed home loans in White Bear Lake, Minnesota in 2025, alongside 59 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 White Bear Lake, 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 White Bear Lake, 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 White Bear Lake. 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.
