Licensed · Lakeville
Licensed & Insured Mortgage Brokers in Lakeville, MN
Every mortgage brokers listed here carries proper licensing and insurance in MN. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Lakeville, MN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Karli Spahr - American Dream Home Team with a 5.0-star rating from 162 Google reviews and an RNM Score of 86/100. Also in the top tier: Wade Hatch - M&M Mortgage LLC and Jason Decker - Tradition Mortgage. The average rating across all listed mortgage brokers in Lakeville is 5 stars from 43 reviews per business on average.
Mortgage brokers in Lakeville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
DHI Mortgage
DHI Mortgage is top-ranked for its strong local reputation and comprehensive loan options tailored to Lakeville homebuyers.
Most Reviewed
Prakash Singh - Mortgage Broker and Advisor at Loans By Singh LLC
A high review count indicates broad customer experience and trust, helping you gauge service reliability.
When choosing a mortgage broker in Lakeville, compare loan options and fees across multiple brokers, and prioritize those with clear communication and local market knowledge.
Local Market Snapshot
13
Businesses listed
5★
Avg rating
43
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients with a perfect 5.0-star rating.
17618 Foxboro Ct, Farmington, MN 55024, USA99 Google reviews with a flawless 5.0-star rating in Lakeville, MN.
19868 Butternut Trail, Farmington, MN 55024, USALakeville mortgage broker with a perfect 5.0-star rating from 52 Google reviews.
16995 Brandtjen Farm Dr, Lakeville, MN 55044, USAMortgage Brokers Rankings in Lakeville, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Karli Spahr - American Dream Home Team17618 Foxboro Ct, Farmington, MN 55024, USA | 5.0★ | 162 |
| #2 | Wade Hatch - M&M Mortgage LLC19868 Butternut Trail, Farmington, MN 55024, USA | 5.0★ | 99 |
| #3 | Jason Decker - Tradition Mortgage16995 Brandtjen Farm Dr, Lakeville, MN 55044, USA | 5.0★ | 52 |
| #4 | DHI Mortgage20860 Kenbridge Ct # 140, Lakeville, MN 55044, USA | 4.4★ | 45 |
| #5 | Joe Pannkuk, NMLS #24827910663 165th St W, Lakeville, MN 55044, USA | 5.0★ | 21 |
| #6 | Matko Lending LLC19321 Hilldale Ave, Lakeville, MN 55044, USA | 5.0★ | 19 |
| #7 | Citywide Home Mortgage10591 165th St W, Lakeville, MN 55044, USA | 5.0★ | 17 |
| #8 | Jon Wagner at Rate (NMLS #331960)17685 Juniper Path Suite 300, Lakeville, MN 55044, USA | 5.0★ | 6 |
| #9 | Satori Mortgage20765 Holyoke Ave, Lakeville, MN 55044, USA | 5.0★ | 2 |
| #10 | Coleen TeBockhorst at Citywide Home Mortgage10591 165th St W, Lakeville, MN 55044, USA | 5.0★ | 26 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lakeville
A trusted local lender with a solid 4.4-star rating from 45 reviews.
20860 Kenbridge Ct # 140, Lakeville, MN 55044, USA
5.0 stars from 21 reviews, reflecting exceptional client satisfaction in Lakeville.
10663 165th St W, Lakeville, MN 55044, USA
5.0-star rating from 19 reviews, reflecting consistent client satisfaction.
19321 Hilldale Ave, Lakeville, MN 55044, USA
5.0 stars from 17 reviews highlight exceptional local client satisfaction.
10591 165th St W, Lakeville, MN 55044, USA
Consistently earns a perfect 5.0-star rating from its first six Google reviews.
17685 Juniper Path Suite 300, Lakeville, MN 55044, USA
Trusted mortgage broker in Lakeville with a perfect 5.0-star rating from local clients.
20765 Holyoke Ave, Lakeville, MN 55044, USA
Exceptional 5.0-star rating from 26 Google reviews for a Lakeville mortgage broker.
10591 165th St W, Lakeville, MN 55044, USA
Lakeville mortgage broker with a flawless 5.0-star rating from 22 Google reviews.
20532 Hartford Way, Lakeville, MN 55044, USA
5.0 stars from 40 reviews, reflecting exceptional client satisfaction in Lakeville.
15451 Founders Ln, Apple Valley, MN 55124, USA
New to Google reviews; no customer ratings yet for this Lakeville mortgage broker.
20731 Holyoke Ave 1st Floor, Office 236, Lakeville, MN 55044, USA
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Mortgage Brokers in Lakeville, MN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Karli Spahr - American Dream Home Team | 86/100 | 5.0 ★ | 162 |
| 2 | Wade Hatch - M&M Mortgage LLC | 83/100 | 5.0 ★ | 99 |
| 3 | Jason Decker - Tradition Mortgage | 80/100 | 5.0 ★ | 52 |
| 4 | DHI Mortgage | 69/100 | 4.4 ★ | 45 |
| 5 | Joe Pannkuk, NMLS #248279 | 75/100 | 5.0 ★ | 21 |
| 6 | Matko Lending LLC | 75/100 | 5.0 ★ | 19 |
| 7 | Citywide Home Mortgage | 74/100 | 5.0 ★ | 17 |
| 8 | Jon Wagner at Rate (NMLS #331960) | 69/100 | 5.0 ★ | 6 |
| 9 | Satori Mortgage | 64/100 | 5.0 ★ | 2 |
| 10 | Coleen TeBockhorst at Citywide Home Mortgage | 76/100 | 5.0 ★ | 26 |
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 Lakeville
What does a mortgage broker do differently than going directly to a bank in Lakeville?
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 Lakeville?
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 5, 2026.
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