The Lenders Community Survey gathers homeowners feedback and 106 lenders recommendations for Minnesota home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
Minnesota Top Lenders for Home Refinance Loans
Minneapolis, Saint Paul, Rochester, Bloomington, Duluth, Brooklyn Park, Plymouth, Woodbury, Mapple Grove, St Cloud, Online lenders.
Recommendations are gathered from 1,063 Minnesotans members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance 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:
Florida Home Refinance Mortgage
Home Refinance Loan Calculator
Florida Home Equity Loan & HELOC
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Minnesota Homeowners.
Minneapolis Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Minneapolis’ area are U.S. Bank, Bell Bank and Affinity Plus FCU.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| U.S. Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bell Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Affinity Plus FCU | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Wings Financial CU | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Bremer Bank | Community Bank | 4.0 | 4.5 | 4.5 | 91% |
| Sunrise Banks | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Trustone Financial FCU | Credit Union | 4.0 | 4.0 | 4.0 | 88% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Bridgewater Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Spire Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 84% |
| American Bank of St. Paul | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
| Royal Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 81% |
| Minnesota Bank & Trust | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
Saint Paul Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Saint Paul’s area are U.S. Bank, Bremer Bank and Affinity Plus FCU.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| U.S. Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Affinity Plus FCU | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Wings Financial CU | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Trustone Financial FCU | Credit Union | 4.0 | 4.0 | 4.5 | 91% |
| Sunrise Banks | Community Bank | 4.0 | 4.0 | 4.0 | 90% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Spire Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| American Bank of St. Paul | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Royal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 84% |
| Minnesota Bank & Trust | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Central Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Anchor Bank (Old National) | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
| Citizens Independent Bank | Community Bank | 3.0 | 3.0 | 3.5 | 75% |
| Bridgewater Bank | Community Bank | 3.0 | 3.0 | 3.0 | 73% |
Rochester Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rochester’s area are Affinity Plus FCU, Think Bank and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Affinity Plus FCU | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Think Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Royal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 92% |
| Blaze Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Trustone Financial FCU | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Spire Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
| American Bank of St. Paul | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
Bloomington Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bloomington’s area are Wings Financial Credit Union, Bell Bank and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Bell Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Affinity Plus Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 92% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Trustone Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Think Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Bridgewater Bank | Community Bank | 3.5 | 3.5 | 4.0 | 84% |
| Minnesota Bank & Trust | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
Duluth Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bloomington’s area are Wings Financial Credit Union, Bell Bank and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 5.0 | 5.0 | 5.0 | 97% |
| Bell Bank | Community Bank | 4.5 | 5.0 | 5.0 | 96% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Affinity Plus Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.5 | 93% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.5 | 91% |
| Trustone Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 90% |
| Think Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Bridgewater Bank | Community Bank | 3.5 | 4.0 | 4.0 | 87% |
| Minnesota Bank & Trust | Community Bank | 3.5 | 3.5 | 4.0 | 85% |
Brooklyn Park Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Brooklyn Park area are First Independent Bank, Wings Financial Credit Union and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Independent Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Wings Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.5 | 92% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Trustone Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 88% |
| Affinity Plus Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
Plymouth Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Plymouth’s area are Wings Financial Credit Union, Bremer Bank and TruStone Financial Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| TruStone Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.5 | 93% |
| Blaze Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 91% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Think Bank | Community Bank | 3.5 | 4.0 | 4.0 | 87% |
Woodbury Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Woodbury’s area are Wings Financial Credit Union, Affinity Plus Federal Credit Union and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Wings Financial Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 96% |
| Affinity Plus Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Bremer Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| First National Bank of Omaha | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Trustone Financial Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 83% |
| Woodbury Bank | Community Bank | 3.5 | 4.0 | 4.0 | 80% |
Maple Grove Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Maple Grove’s area are Tradition Capital Bank, Wings Financial Credit Union and Trustone Financial Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Tradition Capital Bank | Community Bank | 4.5 | 5.0 | 5.0 | 97% |
| Wings Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Trustone Financial Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Bremer Bank | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| TCF Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Maple Grove Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
St. Cloud Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. Cloud’s area are St. Cloud Financial Credit Union, Liberty Bank Minnesota and Bremer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| St. Cloud Financial Credit Union | Credit Union | 4.5 | 5.0 | 5.0 | 97% |
| Liberty Bank Minnesota | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bremer Bank | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| Tradition Capital Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| First National Bank of Omaha | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Trustone Financial Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
Best Minnesota Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Minnesota’s are Rocket Mortgage, Affinity Plus Federal Credit Union and Wings Financial Credit Union.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 3.10% – 5.00% | 15, 20, 30 | 5 | 4.5 | 4.5 | 96% |
| Affinity Plus Federal Credit Union | $50,000 – $1,500,000 | 2.95% – 4.60% | 10, 15, 20, 30 | 4.5 | 4.5 | 5 | 95% |
| Wings Financial Credit Union | $50,000 – $2,000,000 | 3.05% – 4.75% | 10, 15, 20, 30 | 4.5 | 4.5 | 4.5 | 94% |
| Bell Bank | $50,000 – $2,500,000 | 3.15% – 4.85% | 10, 15, 20, 30 | 4.5 | 4 | 4.5 | 92% |
| Ally Bank | $100,000 – $2,000,000 | 3.20% – 4.95% | 15, 20, 30 | 4.5 | 4 | 4 | 90% |
| Bremer Bank | $50,000 – $1,500,000 | 3.25% – 5.05% | 10, 15, 20, 30 | 4 | 4 | 4 | 88% |
| Bank of America | $100,000 – $2,500,000 | 3.30% – 5.10% | 10, 15, 20, 30 | 4 | 4 | 4 | 87% |
| US Bank | $100,000 – $2,000,000 | 3.35% – 5.15% | 15, 20, 30 | 4 | 3.5 | 4 | 85% |
| Trustone Financial Credit Union | $50,000 – $1,000,000 | 3.10% – 4.80% | 10, 15, 20, 30 | 4 | 4 | 4 | 84% |
| Wells Fargo | $100,000 – $3,000,000 | 3.40% – 5.20% | 15, 20, 30 | 4 | 3.5 | 3.5 | 82% |
Related Articles
Home Mortgage Refinance
