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Looking for a mortgage lender in St Cloud? Review the directory below to compare your options.
11 agents listed
Updated May 2026
St Cloud, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Minnesota before hiring.
Showing 11 mortgage lenders in St Cloud, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Envision Capital
14 7th Ave N, St Cloud, MN 56303
3202911075
New American Funding - Kristin Olding
4150 2nd St S Ste 325, St Cloud, MN 56301
3203602566
St. Cloud Mortgage, Inc.
606 25th Ave S #101, St Cloud, MN 56301
3202607576
New American Funding - Chad Faur
4150 2nd St S Ste 325, St Cloud, MN 56301
9523563493
Bell Bank Mortgage, Mike Petroske
3051 2nd St S #101, St Cloud, MN 56301
3202530666
New American Funding - St Cloud, MN
4150 2nd St S Ste 325, St Cloud, MN 56301
3202011356
One Mortgage, LLC
1407 33rd St S, St Cloud, MN 56301
3202570223
New American Funding - Michael Schrupp
4150 2nd St N Ste 325, St Cloud, MN 56301
6122803657
Shelvin Dean - St. Cloud Mortgage, Inc
606 25th Ave S #101, St Cloud, MN 56301
3202664973
Granite City Mortgage of Saint Cloud Inc
600 25th Ave S Ste 208, St Cloud, MN 56301
3202520100
Prime Mortgage
3701 12th St N #208, St Cloud, MN 56303
3202578562
Mortgage lenders in St Cloud Minnesota help home buyers and homeowners secure financing for property purchases and refinancing. Minnesota law requires lenders to be licensed through the Minnesota Department of Commerce. Local lenders understand the St Cloud real estate market and can guide you through the loan process.
What Does a Mortgage Lender in St Cloud Cost?
Typical costs for a mortgage lender in Minnesota include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance ranging from 1,500 to 3,000 dollars. Closing costs in St Cloud average 2 to 5 percent of the purchase price. This is general information and does not constitute mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in St Cloud?
You typically need pay stubs, tax returns, bank statements, and identification. Minnesota lenders also require a signed purchase agreement and proof of homeowners insurance.
How long does the mortgage process take in Minnesota?
The process usually takes 30 to 45 days from application to closing. Minnesota law requires a three business day review period after you receive the Closing Disclosure before you can close.
Are there first time home buyer programs in St Cloud?
Yes, Minnesota Housing offers down payment assistance and low interest loans for first time buyers. St Cloud also has local programs through the Central Minnesota Housing Partnership.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Minnesota.