Real Reviews · Blaine
Top-Reviewed Mortgage Brokers in Blaine, MN
What are customers actually saying? Read verified reviews for mortgage brokers in Blaine — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Blaine, MN by verified customer ratings and review volume. The highest-rated is Refined Lending a division of Luminate Bank with a 4.9-star rating from 404 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
13
Businesses listed
4.8★
Avg rating
69
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Refined Lending a division of Luminate Bank
9240 Baltimore St NE #110, Blaine, MN 55449, USA
Justin Larson, Mortgage Lender - Home Loans NMLS #1490922
7525 Village Dr #120, Lino Lakes, MN 55014, USA
Bell Bank Mortgage, Wes Atkinson
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
Mortgage 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 | Bell Bank Mortgage, Brad Lidtke2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 35 |
| #5 | Bell Bank Mortgage - Kristie Griego2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 76 |
| #6 | KTR Loans4432 St Andrews Dr, Blaine, MN 55449, USA | 4.4★ | 18 |
| #7 | Bell Bank Mortgage, Dan Dikken2407 109th Ave NE Suite 100, Blaine, MN 55449, USA | 5.0★ | 38 |
| #8 | DibAfric132nd Ave NE, Blaine, MN 55449, USA | 5.0★ | 12 |
| #9 | Bill Malark- Lendsmart Mortgage2362 Arnold Palmer Dr, Blaine, MN 55449, USA | 5.0★ | 38 |
| #10 | Steve Bushinski at CrossCountry Mortgage12301 Central Ave NE Suite 201, Blaine, MN 55434, USA | 5.0★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Blaine
Bell Bank Mortgage, Brad Lidtke
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
Bell Bank Mortgage - Kristie Griego
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
KTR Loans
4432 St Andrews Dr, Blaine, MN 55449, USA
Bell Bank Mortgage, Dan Dikken
2407 109th Ave NE Suite 100, Blaine, MN 55449, USA
DibAfric
132nd Ave NE, Blaine, MN 55449, USA
Bill Malark- Lendsmart Mortgage
2362 Arnold Palmer Dr, Blaine, MN 55449, USA
Steve Bushinski at CrossCountry Mortgage
12301 Central Ave NE Suite 201, Blaine, MN 55434, USA
US Bank Mortgage
231 County Hwy 10 NE, Blaine, MN 55434, USA
Prosperity Home Mortgage- Michele Palme
10945 Club W Pkwy NE, Blaine, MN 55449, USA
Mortgages By Noone, LLC
708 Stonewood Rd, Eagan, MN 55123, USA
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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: May 17, 2026.
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