The MFP Home Loan Lenders Community Survey gathers Minnesota’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered the info to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Minnesota Best Lenders for Home Loans
Minneapolis, Saint Paul, Rochester, Bloomington, Duluth, Brooklyn Park, Plymouth, Woodbury, Maple Grove, St Cloud, Online lenders.
Minnesota Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase mortgage lenders across Minnesota by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|
| Credit Unions | 4.52 | 4.52 | 4.58 | 91% |
| Community Banks | 4.38 | 4.40 | 4.43 | 89% |
| Banks | 4.15 | 4.17 | 4.25 | 85% |
| Online Lenders | 3.97 | 3.63 | 4.10 | 89% |
Recommendations are gathered from 1,063 Minnesotans members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Home Loan Information for Minnesota Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Minnesota Homeowners.
Minneapolis Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Minneapolis’s area are Security Bank & Trust Company, Wings Financial Credit Union, and Affinity Plus Federal Credit Union.
Security Bank & Trust Company (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3.
- Loved for personalized local decision-making and flexible lending options in surveys feedback.
Wings Financial Credit Union (93% Recommend)
- Top in Support & Guidance (4.7) and tied for highest Easy Application score (4.6).
- Liked for competitive rates and home loans service in users feedback.
Affinity Plus Federal Credit Union (91% Recommend)
- Strong across all metrics, including 4.5 Loan Terms and 4.6 Support & Guidance.
- Users highlight its transparency and new homeowners approach in surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Security Bank & Trust Company | Community Bank | 4.5 | 4.8 | 4.7 | 95 |
| Wings Financial Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93 |
| Affinity Plus Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 91 |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 89 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 87 |
| TruStone Financial Credit Union | Credit Union | 4.4 | 4.2 | 4.5 | 86 |
| Associated Bank | Bank | 4.2 | 4.3 | 4.4 | 85 |
| Citizens Bank Minnesota | Community Bank | 4.3 | 4.1 | 4.3 | 84 |
| Sunrise Banks | Community Bank | 4.2 | 4.2 | 4.3 | 83 |
| Blaze Credit Union | Credit Union | 4.1 | 4.2 | 4.2 | 82 |
| Huntington Bank | Bank | 4.0 | 4.1 | 4.2 | 81 |
| MidWestOne Bank | Bank | 4.1 | 4.0 | 4.1 | 80 |
| BMO Harris Bank | Bank | 4.0 | 4.0 | 4.1 | 79 |
| Bell Bank | Bank | 3.9 | 4.0 | 4.0 | 78 |
| Wells Fargo | Bank | 3.8 | 3.9 | 4.0 | 77 |
Saint Paul Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Saint Paul’s area are Wings Financial Credit Union, Affinity Plus Federal Credit Union, and Bremer Bank.
Wings Financial Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3.
- Loved for competitive rates and great service in users surveys feedback.
Affinity Plus Federal Credit Union (92% Recommend)
- Top in Support & Guidance (4.7) and tied for highest Easy Application score (4.6).
- Survey highlighted its transparency and new homeowner approach in users feedback.
Bremer Bank (90% Recommend)
- Strong across all metrics, including 4.5 Loan Terms and 4.6 Support & Guidance.
- Homeowners love it for personalized local decision-making and flexible lending options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.6 | 4.8 | 4.7 | 94 |
| Affinity Plus Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92 |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90 |
| Sunrise Banks | Community Bank | 4.4 | 4.4 | 4.5 | 88 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 87 |
| TruStone Financial Credit Union | Credit Union | 4.4 | 4.2 | 4.5 | 86 |
| Associated Bank | Bank | 4.2 | 4.3 | 4.4 | 85 |
| Citizens Bank Minnesota | Community Bank | 4.3 | 4.1 | 4.3 | 84 |
| Huntington Bank | Bank | 4.0 | 4.1 | 4.2 | 83 |
| Blaze Credit Union | Credit Union | 4.1 | 4.2 | 4.2 | 82 |
| BMO Harris Bank | Bank | 4.0 | 4.0 | 4.1 | 81 |
| MidWestOne Bank | Bank | 4.1 | 4.0 | 4.1 | 80 |
| Bell Bank | Bank | 3.9 | 4.0 | 4.0 | 79 |
| Wells Fargo | Bank | 3.8 | 3.9 | 4.0 | 78 |
| Alliance Bank | Bank | 3.9 | 3.8 | 4.0 | 77 |
Rochester Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Rochester’s area are Think Mutual Bank, Mayo Employees Federal Credit Union, and Home Federal Savings Bank.
Think Mutual Bank (96% Recommend)
- Highest in Recommend % (96%) and Loan Terms & Rate Satisfaction (4.9) among top 3.
- Loved for streamlined digital application process and competitive rate lock policies in homeowners feedback.
Mayo Employees Federal Credit Union (94% Recommend)
- Top in Support & Guidance (4.8) with perfect 5.0 score in Easy Application.
- Liked for physicians specific loan programs and white-glove service for medical professionals.
Home Federal Savings Bank (92% Recommend)
- Consistent high scores across all metrics (4.7 Application, 4.6 Loan Terms, 4.7 Support).
- Highlighted for local underwriting flexibility and new loan expertise in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Think Mutual Bank | Community Bank | 4.8 | 4.9 | 4.7 | 96 |
| Mayo Employees Federal Credit Union | Credit Union | 5.0 | 4.7 | 4.8 | 94 |
| Home Federal Savings Bank | Community Bank | 4.7 | 4.6 | 4.7 | 92 |
| Wells Fargo | Bank | 4.5 | 4.5 | 4.6 | 89 |
| Bremer Bank | Bank | 4.4 | 4.4 | 4.5 | 88 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 87 |
| Citizens Community Federal | Credit Union | 4.4 | 4.2 | 4.3 | 86 |
| Bank Midwest | Community Bank | 4.2 | 4.3 | 4.3 | 85 |
| First Farmers & Merchants Bank | Community Bank | 4.1 | 4.2 | 4.2 | 84 |
| Huntington Bank | Bank | 4.0 | 4.1 | 4.1 | 83 |
Bloomington Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bloomington’s area are TopLine Financial Credit Union, Wings Financial Credit Union, and Affinity Plus Federal Credit Union.
TopLine Financial Credit Union (96% Recommend)
- Highest in Recommend % (96%) and Loan Terms & Rate Satisfaction (4.9) among top 3.
- Loved for personalized service and mortgage rate programs in homeowners feedback.
Wings Financial Credit Union (94% Recommend)
- Top in Support & Guidance (4.8) with 4.7 Easy Application score.
- Users like its competitive rates and focused service in their feedback.
Affinity Plus Federal Credit Union (92% Recommend)
- Strong across all metrics with 4.6 in both Loan Terms and Support & Guidance.
- Highlighted for transparency and family approach in homeowners surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TopLine Financial Credit Union | Credit Union | 4.7 | 4.9 | 4.8 | 96 |
| Wings Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94 |
| Affinity Plus Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92 |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 90 |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 88 |
| TruStone Financial Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 87 |
| Associated Bank | Bank | 4.2 | 4.3 | 4.3 | 86 |
| Huntington Bank | Bank | 4.1 | 4.2 | 4.2 | 85 |
| Bell Bank | Bank | 4.0 | 4.1 | 4.1 | 84 |
| Wells Fargo | Bank | 3.9 | 4.0 | 4.0 | 83 |
Duluth Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Duluth’s area are North Shore Bank of Commerce, Bell Bank, and National Bank of Commerce.
North Shore Bank of Commerce (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3.
- Loved for personalized service and local decision-making in users feedback.
Bell Bank (93% Recommend)
- Top in Support & Guidance (4.7) with 4.6 Easy Application score.
- Liked for home loan expertise and new loan programs in homeowners feedback.
National Bank of Commerce (91% Recommend)
- Strong across all metrics with 4.5 in both Loan Terms and Support & Guidance.
- Highlighted for community approach and responsive service in homeowners feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| North Shore Bank of Commerce | Community Bank | 4.7 | 4.8 | 4.7 | 95 |
| Bell Bank | Bank | 4.6 | 4.6 | 4.7 | 93 |
| National Bank of Commerce | Community Bank | 4.5 | 4.5 | 4.5 | 91 |
| Members Cooperative Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 89 |
| Western Bank | Community Bank | 4.3 | 4.3 | 4.4 | 88 |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 87 |
| Park State Bank | Community Bank | 4.1 | 4.2 | 4.2 | 86 |
| Northern Communities Credit Union | Credit Union | 4.0 | 4.1 | 4.1 | 85 |
| Frandsen Bank | Community Bank | 3.9 | 4.0 | 4.0 | 84 |
| Wells Fargo | Bank | 3.8 | 3.9 | 4.0 | 83 |
Brooklyn Park Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Brooklyn Park’s area are TruStone Financial Credit Union, Huntington Bank, and CorTrust Bank.
TruStone Financial Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Support & Guidance (4.8) among top 3.
- Users love it for personalized mortgage consulting and focused service in our survey feedback.
Huntington Bank (92% Recommend)
- Top in Easy Application (4.7) with 4.6 Loan Terms & Rate Satisfaction score.
- Homeowners like its streamlined digital application process and responsive customer service.
CorTrust Bank (90% Recommend)
- Strong across all metrics with 4.5 in both Loan Terms and Support & Guidance.
- Highlighted for local decision-making and lending expertise.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 94 |
| Huntington Bank | Bank | 4.7 | 4.6 | 4.6 | 92 |
| CorTrust Bank | Community Bank | 4.5 | 4.5 | 4.5 | 90 |
| Old National Bank | Bank | 4.4 | 4.4 | 4.5 | 88 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 87 |
| Wells Fargo | Bank | 4.2 | 4.2 | 4.3 | 85 |
| Bremer Bank | Bank | 4.1 | 4.1 | 4.2 | 84 |
| Associated Bank | Bank | 4.0 | 4.0 | 4.1 | 83 |
Plymouth Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Plymouth’s area are Wings Financial Credit Union, TruStone Financial Credit Union, and Huntington Bank.
Wings Financial Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3.
- Loved for personalized mortgage consulting and member-focused service in homeowners feedback.
TruStone Financial Credit Union (93% Recommend)
- Top in Loan Terms & Rate Satisfaction (4.7) with 4.6 Easy Application score.
- Liked for competitive rates and responsive customer service in users feedback.
Huntington Bank (91% Recommend)
- Strong across all metrics with 4.5 in both Easy Application and Support & Guidance.
- Highlighted for streamlined digital application process and local decision-making.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 95 |
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93 |
| Huntington Bank | Bank | 4.5 | 4.4 | 4.5 | 91 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 88 |
| Bremer Bank | Bank | 4.2 | 4.2 | 4.3 | 87 |
| Associated Bank | Bank | 4.1 | 4.1 | 4.2 | 85 |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 84 |
| TCF Bank | Bank | 3.9 | 3.9 | 4.0 | 83 |
Woodbury Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Woodbury’s area are Wings Financial Credit Union, TruStone Financial Credit Union, and Bremer Bank.
Wings Financial Credit Union (96% Recommend)
- Highest in Recommend % (96%) and Support & Guidance (4.8) among top 3.
- Loved for personalized mortgage consulting and member-focused service in user feedback.
TruStone Financial Credit Union (94% Recommend)
- Top in Loan Terms & Rate Satisfaction (4.7) with 4.6 Easy Application score.
- Liked for competitive rates and responsive customer service in users feedback.
Bremer Bank (92% Recommend)
- Strong across all metrics with 4.5 in both Easy Application and Support & Guidance.
- Liked for local decision-making and loan expertise.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 96 |
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 94 |
| Bremer Bank | Bank | 4.5 | 4.5 | 4.5 | 92 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 89 |
| Associated Bank | Bank | 4.2 | 4.2 | 4.3 | 87 |
| Huntington Bank | Bank | 4.1 | 4.1 | 4.2 | 86 |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 85 |
| Bell Bank | Bank | 3.9 | 4.0 | 4.0 | 84 |
Maple Grove Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Maple Grove’s area are Wings Financial Credit Union, North American Banking Company, and Blaze Credit Union.
Wings Financial Credit Union (96% Recommend)
- Highest in Recommend % (96%) and Support & Guidance (4.8) among top 3.
- Loved for personalized mortgage consulting and focused service in feedback
North American Banking Company (94% Recommend)
- Top in Loan Terms & Rate Satisfaction (4.7) with 4.6 Easy Application score.
- Liked for community-focused approach and modern loan processes
Blaze Credit Union (92% Recommend)
- Strong across all metrics with 4.5 in both Loan Terms and Support & Guidance.
- Liked for competitive rates and member-friendly services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 96 |
| North American Banking Company | Community Bank | 4.6 | 4.7 | 4.6 | 94 |
| Blaze Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 89 |
| Bremer Bank | Bank | 4.2 | 4.2 | 4.3 | 87 |
| Associated Bank | Bank | 4.1 | 4.1 | 4.2 | 85 |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 84 |
| Huntington Bank | Bank | 3.9 | 3.9 | 4.0 | 83 |
St Cloud Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St Cloud’s area are Affinity Plus Federal Credit Union, Bremer Bank, and Central Minnesota Credit Union.
Affinity Plus Federal Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3.
- Loved for personalized service and competitive rates in users feedback.
Bremer Bank (93% Recommend)
- Top in Loan Terms & Rate Satisfaction (4.7) with 4.6 Easy Application score.
- Homeowners love local decision-making and construction loan expertise in feedback.
Central Minnesota Credit Union (91% Recommend)
- Strong across all metrics with 4.5 in both Loan Terms and Support & Guidance.
- Highlighted for community-focused approach and responsive service.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 95 |
| Bremer Bank | Bank | 4.6 | 4.7 | 4.6 | 93 |
| Central Minnesota Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91 |
| Stearns Bank | Community Bank | 4.4 | 4.4 | 4.5 | 89 |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 88 |
| Wells Fargo | Bank | 4.2 | 4.2 | 4.3 | 86 |
| MidWestOne Bank | Bank | 4.1 | 4.1 | 4.2 | 85 |
| First National Bank of St. Cloud | Community Bank | 4.0 | 4.0 | 4.1 | 84 |
Minnesota Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Minnesota residents are Better Mortgage, Rocket Mortgage, and Guaranteed Rate.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Better Mortgage | $50k-$3M | 5.99%-7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| Rocket Mortgage | $50k-$3M | 6.25%-8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| Guaranteed Rate | $50k-$2.5M | 6.15%-8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| LoanDepot | $50k-$2M | 6.35%-8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| New American Funding | $50k-$1.5M | 6.50%-9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| Fairway Independent Mortgage | $50k-$2M | 6.25%-8.50% | 15/20/30 | 4.5 | 3.5 | 4.5 | 91% |
| Movement Mortgage | $50k-$1.5M | 6.75%-9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| Affinity Plus FCU | $50k-$1M | 6.00%-8.50% | 15/20/30 | 3.5 | 4.0 | 4.5 | 89% |
| Wings Financial CU | $50k-$1M | 6.25%-8.75% | 15/20/30 | 3.5 | 3.5 | 4.5 | 88% |
| Bell Bank Mortgage | $50k-$1.5M | 6.50%-9.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 87% |
| Bremer Bank | $50k-$1M | 6.75%-9.25% | 15/20/30 | 3.5 | 3.5 | 4.0 | 86% |
| U.S. Bank | $50k-$2M | 6.50%-9.00% | 15/20/30 | 4.0 | 3.0 | 4.0 | 85% |
| Wells Fargo | $50k-$2M | 6.75%-9.25% | 15/20/30 | 3.5 | 3.0 | 3.5 | 84% |
| Bank of America | $50k-$2M | 6.50%-9.00% | 15/20/30 | 3.5 | 3.0 | 3.5 | 83% |
| Chase | $50k-$2M | 6.75%-9.25% | 15/20/30 | 3.5 | 3.0 | 3.5 | 82% |
