Highest Rated · Saint Paul
Top-Rated Mortgage Brokers in Saint Paul, MN
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Saint Paul, MN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Atwood Mortgage with a 5.0-star rating from 79 Google reviews and an RNM Score of 82/100. 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 July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Jeff Anderson - Supreme Lending
Jeff Anderson is consistently top-ranked for his exceptional customer service and efficient loan processing.
Most Reviewed
Jeff Anderson - Supreme Lending
A high number of reviews indicates a broad base of customer experiences, helping you gauge reliability and satisfaction.
Compare rates and fees from at least two of these top brokers, and ask about their typical closing times to ensure they meet your timeline.
Local Market Snapshot
11
Businesses listed
5★
Avg rating
48
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
A Saint Paul mortgage broker with a perfect 5.0-star rating from 79 reviews.
420 Summit Ave suite 316, St Paul, MN 55102, USA5.0 stars from 72 Google reviews, reflecting exceptional client satisfaction.
322 County Rd D E Suite 100, St Paul, MN 55117, USARated 4.9 stars from 78 reviews, this Saint Paul broker is highly trusted.
700 Grand Ave, St Paul, MN 55105, USAMortgage 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 | Affordable Mortgage Shop LLC1983 Sloan Pl Ste 15, Maplewood, MN 55117, USA | 5.0★ | 10 |
| #5 | Cambria Mortgage, Joe Metzler Team1549 Livingston Ave #105, St Paul, MN 55118, USA | 4.9★ | 58 |
| #6 | Bell Bank Mortgage, Mike Hill971 Sibley Memorial Hwy # 201, St Paul, MN 55118, USA | 5.0★ | 44 |
| #7 | Graham Kaun - M&M Mortgage - NMLS ID 15054761700 Highway 36 W #300, St Paul, MN 55113, USA | 5.0★ | 35 |
| #8 | NorthLend Financial LLC2550 University Ave W Suite 210N, St Paul, MN 55114, USA | 5.0★ | 15 |
| #9 | US Bank Mortgage1959 Burns Ave, St Paul, MN 55119, USA | 5.0★ | 1 |
| #10 | Bell Bank Mortgage, Sandy Talberg4886 Hwy 61 N #200, White Bear Lake, MN 55110, USA | 4.9★ | 75 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Saint Paul
5.0-star rating from 10 reviews in Saint Paul, MN.
1983 Sloan Pl Ste 15, Maplewood, MN 55117, USA
Highly rated Saint Paul mortgage broker with a 4.9-star average from 58 reviews.
1549 Livingston Ave #105, St Paul, MN 55118, USA
Saint Paul mortgage broker with a flawless 5.0 rating from 44 reviews.
971 Sibley Memorial Hwy # 201, St Paul, MN 55118, USA
Exceptional 5.0-star rating from 35 Google reviews in Saint Paul.
1700 Highway 36 W #300, St Paul, MN 55113, USA
Awarded a perfect 5.0-star rating from over a dozen satisfied clients in Saint Paul.
2550 University Ave W Suite 210N, St Paul, MN 55114, USA
Trusted Saint Paul mortgage broker with a perfect 5.0-star rating from clients.
1959 Burns Ave, St Paul, MN 55119, USA
Highly rated 4.9 stars from 75 reviews for mortgage services in Saint Paul.
4886 Hwy 61 N #200, White Bear Lake, MN 55110, USA
A top-rated Saint Paul mortgage broker with 4.9 stars from 63 Google reviews.
985 Smith Ave S, West St Paul, MN 55118, USA
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Mortgage Brokers in Saint Paul, MN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Atwood Mortgage | 82/100 | 5.0 ★ | 79 |
| 2 | Jeff Anderson - Supreme Lending | 82/100 | 5.0 ★ | 72 |
| 3 | Prosperity Home Mortgage: Chris Wright NMLS #653835 | 80/100 | 4.9 ★ | 78 |
| 4 | Affordable Mortgage Shop LLC | 71/100 | 5.0 ★ | 10 |
| 5 | Cambria Mortgage, Joe Metzler Team | 79/100 | 4.9 ★ | 58 |
| 6 | Bell Bank Mortgage, Mike Hill | 79/100 | 5.0 ★ | 44 |
| 7 | Graham Kaun - M&M Mortgage - NMLS ID 1505476 | 78/100 | 5.0 ★ | 35 |
| 8 | NorthLend Financial LLC | 73/100 | 5.0 ★ | 15 |
| 9 | US Bank Mortgage | 62/100 | 5.0 ★ | 1 |
| 10 | Bell Bank Mortgage, Sandy Talberg | 80/100 | 4.9 ★ | 75 |
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 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: July 5, 2026.
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