Verified · Saint Paul
Trusted Mortgage Brokers in Saint Paul, MN
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Saint Paul have earned it through hundreds of verified reviews.
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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