Local Pros · Blaine
Local Mortgage Brokers in Blaine, MN
Locally owned and operated mortgage brokers serving Blaine and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Blaine, MN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Refined Lending a division of Luminate Bank with a 4.9-star rating from 404 Google reviews and an RNM Score of 87/100. Also in the top tier: Justin Larson, Mortgage Lender - Home Loans NMLS #1490922 and Bell Bank Mortgage, Wes Atkinson. The average rating across all listed mortgage brokers in Blaine is 4.8 stars from 69 reviews per business on average.
Mortgage brokers in Blaine: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Bell Bank Mortgage, Wes Atkinson
Bell Bank Mortgage is consistently top-ranked in Blaine for its exceptional customer service and competitive loan products, with Wes Atkinson highly regarded for his local expertise.
Most Reviewed
Bell Bank Mortgage, Wes Atkinson
High review counts indicate reliable service and trust from many past clients, reducing your risk of a poor experience.
When choosing a mortgage broker in Blaine, compare loan options and rates from at least two of these top-ranked providers, and always read recent reviews to ensure they align with your needs.
Local Market Snapshot
13
Businesses listed
4.8★
Avg rating
69
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Blaine mortgage broker with a 4.9-star rating from over 400 Google reviews.
9240 Baltimore St NE #110, Blaine, MN 55449, USABlaine's top-rated mortgage broker with a perfect 5.0★ score from 133 reviews.
7525 Village Dr #120, Lino Lakes, MN 55014, USABlaine mortgage broker with a perfect 5.0 rating from 78 Google reviews.
2407 109th Ave NE Suite 100, Blaine, MN 55449, USAMortgage Brokers Rankings in Blaine, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Refined Lending a division of Luminate Bank9240 Baltimore St NE #110, Blaine, MN 55449, USA | 4.9★ | 404 |
| #2 | Justin Larson, Mortgage Lender - Home Loans NMLS #14909227525 Village Dr #120, Lino Lakes, MN 55014, USA | 5.0★ | 133 |
| #3 | Bell Bank Mortgage, Wes Atkinson2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 78 |
| #4 | Mortgages By Noone, LLC708 Stonewood Rd, Eagan, MN 55123, USA | 5.0★ | 18 |
| #5 | Bill Malark- Lendsmart Mortgage2362 Arnold Palmer Dr, Blaine, MN 55449, USA | 5.0★ | 38 |
| #6 | Bell Bank Mortgage - Kristie Griego2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 76 |
| #7 | Bell Bank Mortgage, Dan Dikken2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 38 |
| #8 | Prosperity Home Mortgage- Michele Palme10945 Club W Pkwy NE, Blaine, MN 55449, USA | 5.0★ | 36 |
| #9 | Bell Bank Mortgage, Brad Lidtke2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 35 |
| #10 | KTR Loans4432 St Andrews Dr, Blaine, MN 55449, USA | 4.4★ | 18 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Blaine
Exceptional 5.0-star rating from 18 Google reviews in Blaine, MN.
708 Stonewood Rd, Eagan, MN 55123, USA
Rated 5.0 stars from 38 reviews, this Blaine mortgage broker is top-rated.
2362 Arnold Palmer Dr, Blaine, MN 55449, USA
5.0 stars from 76 reviews, reflecting consistently exceptional client service.
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
Blaine mortgage broker with a perfect 5.0-star rating from 38 Google reviews.
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
Earned a perfect 5.0-star rating from 36 Google reviews.
10945 Club W Pkwy NE, Blaine, MN 55449, USA
Blaine mortgage broker with a 5.0-star rating from 35 Google reviews.
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
Rated 4.4 stars from 18 Google reviews, this Blaine mortgage broker is well-regarded.
4432 St Andrews Dr, Blaine, MN 55449, USA
Rated 5.0 stars from 12 Google reviews, this Blaine mortgage broker is highly trusted.
132nd Ave NE, Blaine, MN 55449, USA
5.0 stars from 7 reviews, reflecting exceptional client satisfaction in Blaine.
12301 Central Ave NE Suite 201, Blaine, MN 55434, USA
Mixed feedback from a small number of reviews, averaging 3.0 stars.
231 County Hwy 10 NE, Blaine, MN 55434, USA
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Mortgage Brokers in Blaine, MN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Refined Lending a division of Luminate Bank | 87/100 | 4.9 ★ | 404 |
| 2 | Justin Larson, Mortgage Lender - Home Loans NMLS #1490922 | 85/100 | 5.0 ★ | 133 |
| 3 | Bell Bank Mortgage, Wes Atkinson | 82/100 | 5.0 ★ | 78 |
| 4 | Mortgages By Noone, LLC | 74/100 | 5.0 ★ | 18 |
| 5 | Bill Malark- Lendsmart Mortgage | 78/100 | 5.0 ★ | 38 |
| 6 | Bell Bank Mortgage - Kristie Griego | 82/100 | 5.0 ★ | 76 |
| 7 | Bell Bank Mortgage, Dan Dikken | 78/100 | 5.0 ★ | 38 |
| 8 | Prosperity Home Mortgage- Michele Palme | 78/100 | 5.0 ★ | 36 |
| 9 | Bell Bank Mortgage, Brad Lidtke | 78/100 | 5.0 ★ | 35 |
| 10 | KTR Loans | 64/100 | 4.4 ★ | 18 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Blaine
What does a mortgage broker do differently than going directly to a bank in Blaine?
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 Blaine?
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: July 4, 2026.
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