Top Picks · Saint Paul
Best Mortgage Brokers in Saint Paul, MN
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Saint Paul, MN by verified customer ratings and review volume. The highest-rated is Atwood Mortgage with a 5.0-star rating from 79 verified reviews. Also in the top tier: Jeff Anderson - Supreme Lending and Prosperity Home Mortgage: Chris Wright NMLS #653835. The average rating across all listed mortgage brokers in Saint Paul is 5 stars from 48 reviews per business on average.
Mortgage brokers in Saint Paul: 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
11
Businesses listed
5★
Avg rating
48
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Atwood Mortgage
420 Summit Ave suite 316, St Paul, MN 55102, USA
Jeff Anderson - Supreme Lending
322 County Rd D E Suite 100, St Paul, MN 55117, USA
Prosperity Home Mortgage: Chris Wright NMLS #653835
700 Grand Ave, St Paul, MN 55105, USA
Mortgage Brokers Rankings in Saint Paul, MN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atwood Mortgage420 Summit Ave suite 316, St Paul, MN 55102, USA | 5.0★ | 79 |
| #2 | Jeff Anderson - Supreme Lending322 County Rd D E Suite 100, St Paul, MN 55117, USA | 5.0★ | 72 |
| #3 | Prosperity Home Mortgage: Chris Wright NMLS #653835700 Grand Ave, St Paul, MN 55105, USA | 4.9★ | 78 |
| #4 | Cambria Mortgage, Joe Metzler Team1549 Livingston Ave #105, St Paul, MN 55118, USA | 4.9★ | 58 |
| #5 | Jason Stone985 Smith Ave S, West St Paul, MN 55118, USA | 4.9★ | 63 |
| #6 | Graham Kaun - M&M Mortgage - NMLS ID 15054761700 Highway 36 W #300, St Paul, MN 55113, USA | 5.0★ | 35 |
| #7 | Bell Bank Mortgage, Sandy Talberg4886 Hwy 61 N #200, White Bear Lake, MN 55110, USA | 4.9★ | 75 |
| #8 | NorthLend Financial LLC2550 University Ave W Suite 210N, St Paul, MN 55114, USA | 5.0★ | 15 |
| #9 | Bell Bank Mortgage, Mike Hill971 Sibley Memorial Hwy # 201, St Paul, MN 55118, USA | 5.0★ | 44 |
| #10 | US Bank Mortgage1959 Burns Ave, St Paul, MN 55119, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Saint Paul
Cambria Mortgage, Joe Metzler Team
1549 Livingston Ave #105, St Paul, MN 55118, USA
Jason Stone
985 Smith Ave S, West St Paul, MN 55118, USA
Graham Kaun - M&M Mortgage - NMLS ID 1505476
1700 Highway 36 W #300, St Paul, MN 55113, USA
Bell Bank Mortgage, Sandy Talberg
4886 Hwy 61 N #200, White Bear Lake, MN 55110, USA
NorthLend Financial LLC
2550 University Ave W Suite 210N, St Paul, MN 55114, USA
Bell Bank Mortgage, Mike Hill
971 Sibley Memorial Hwy # 201, St Paul, MN 55118, USA
US Bank Mortgage
1959 Burns Ave, St Paul, MN 55119, USA
Affordable Mortgage Shop LLC
1983 Sloan Pl Ste 15, Maplewood, MN 55117, USA
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Frequently Asked Questions — Mortgage Brokers in Saint Paul
What does a mortgage broker do differently than going directly to a bank in Saint Paul?
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 Saint Paul?
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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