Licensed · Apple Valley
Licensed & Insured Mortgage Brokers in Apple Valley, MN
Every mortgage brokers listed here carries proper licensing and insurance in MN. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 10 mortgage brokers in Apple Valley, MN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Lynne Violett - Movement Mortgage with a 5.0-star rating from 105 Google reviews and an RNM Score of 84/100. Also in the top tier: The Heichel Team powered by Fairway Home Mortgage and Bell Bank Mortgage, Cindy Zemien. The average rating across all listed mortgage brokers in Apple Valley is 4.7 stars from 40 reviews per business on average.
Mortgage brokers in Apple Valley: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Wings - Mortgage
Wings - Mortgage is top-ranked for its strong combination of local expertise, competitive rates, and consistently positive client feedback in the Apple Valley area.
Most Reviewed
Bell Bank Mortgage
A high review count indicates a proven track record of client trust and satisfaction, making it a reliable starting point for prospective borrowers.
When choosing a mortgage broker in Apple Valley, compare loan options, fees, and communication styles from multiple top-ranked brokers to find the best fit for your financial situation. Always read recent reviews to understand each broker's current service quality.
Local Market Snapshot
10
Businesses listed
4.7★
Avg rating
40
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local homeowners with a flawless 5.0-star rating.
7300 147th St W STE 402, Apple Valley, MN 55124, USA5.0 stars from 67 reviews, reflecting exceptional client satisfaction in Apple Valley.
3273 19th St NW #3, Rochester, MN 55901, USAConsistently rated 5.0 stars from 65 Google reviews by local clients.
15322 Galaxie Ave Suite 112, Apple Valley, MN 55124, USAMortgage Brokers Rankings in Apple Valley, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Lynne Violett - Movement Mortgage7300 147th St W STE 402, Apple Valley, MN 55124, USA | 5.0★ | 105 |
| #2 | The Heichel Team powered by Fairway Home Mortgage3273 19th St NW #3, Rochester, MN 55901, USA | 5.0★ | 67 |
| #3 | Bell Bank Mortgage, Cindy Zemien15322 Galaxie Ave Suite 112, Apple Valley, MN 55124, USA | 5.0★ | 65 |
| #4 | Sergey Dobkin - Movement Mortgage7300 147th St W STE 402, Apple Valley, MN 55124, USA | 5.0★ | 47 |
| #5 | Bell Bank Mortgage, Joe Zemien15322 Galaxie Ave Suite 112, Apple Valley, MN 55124, USA | 5.0★ | 2 |
| #6 | Chris Miller at Edge Home Finance - MN Mortgage Experts1895 Plaza Dr #250, Eagan, MN 55122, USA | 5.0★ | 1 |
| #7 | Wings - Mortgage15025 Glazier Ave, Apple Valley, MN 55124, USA | 4.2★ | 40 |
| #8 | Dan Bundt, Movement Mortgage7300 147th St W STE 402, Apple Valley, MN 55124, USA | 5.0★ | 35 |
| #9 | US Bank Mortgage15025 Garrett Ave #201, Apple Valley, MN 55124, USA | 3.0★ | 2 |
| #10 | Hard Money Lenders Apple Valley MN14665 Galaxie Ave, Apple Valley, MN 55124, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Apple Valley
Apple Valley's top-rated mortgage broker with a perfect 5.0★ from 47 reviews.
7300 147th St W STE 402, Apple Valley, MN 55124, USA
Rated 5.0 stars from two Google reviews, reflecting exceptional client satisfaction.
15322 Galaxie Ave Suite 112, Apple Valley, MN 55124, USA
Rated 5.0 stars on Google from multiple reviews.
1895 Plaza Dr #250, Eagan, MN 55122, USA
Trusted by local clients with a solid 4.2-star rating from 40 reviews.
15025 Glazier Ave, Apple Valley, MN 55124, USA
Top-rated Apple Valley mortgage broker with a perfect 5.0★ rating from 35 reviews.
7300 147th St W STE 402, Apple Valley, MN 55124, USA
Two Google reviews give this Apple Valley mortgage broker a 3.0-star rating.
15025 Garrett Ave #201, Apple Valley, MN 55124, USA
No reviews yet for this Apple Valley mortgage broker.
14665 Galaxie Ave, Apple Valley, MN 55124, USA
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Mortgage Brokers in Apple Valley, MN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Lynne Violett - Movement Mortgage | 84/100 | 5.0 ★ | 105 |
| 2 | The Heichel Team powered by Fairway Home Mortgage | 81/100 | 5.0 ★ | 67 |
| 3 | Bell Bank Mortgage, Cindy Zemien | 81/100 | 5.0 ★ | 65 |
| 4 | Sergey Dobkin - Movement Mortgage | 79/100 | 5.0 ★ | 47 |
| 5 | Bell Bank Mortgage, Joe Zemien | 64/100 | 5.0 ★ | 2 |
| 6 | Chris Miller at Edge Home Finance - MN Mortgage Experts | 62/100 | 5.0 ★ | 1 |
| 7 | Wings - Mortgage | 65/100 | 4.2 ★ | 40 |
| 8 | Dan Bundt, Movement Mortgage | 78/100 | 5.0 ★ | 35 |
| 9 | US Bank Mortgage | 30/100 | 3.0 ★ | 2 |
| 10 | Hard Money Lenders Apple Valley MN | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Apple Valley
What does a mortgage broker do differently than going directly to a bank in Apple Valley?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Apple Valley?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MN?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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