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Find Mortgage Refinance Companies in Prior Lake, MN

Looking for a mortgage refinance company in Prior Lake? Review the directory below to compare your options.

6 agents listed
Updated June 2026
Prior Lake, 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 State Mortgage Licensing Authority of Minnesota before hiring.
Showing 6 mortgage refinance companies in Prior Lake, 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.
Bell Bank Mortgage, Chris Safe
16250 Duluth Ave SE, Prior Lake, MN 55372
(952) 905-5550 bell.bank
Bell Bank Mortgage, Bill Zimbinski
16250 Duluth Ave SE, Prior Lake, MN 55372
(952) 270-5489 bell.bank
Old National Bank
16677 Duluth Ave SE, Prior Lake, MN 55372
(952) 229-0618 locations.oldnational.com
Bell Bank Mortgage
16250 Duluth Ave SE, Prior Lake, MN 55372
(952) 591-1880 bell.bank
US Bank Mortgage
15830 Franklin Trail SE, Prior Lake, MN 55372
(952) 226-8300 usbank.com
Guaranteed Rate of Prior Lake
14070 Commerce Ave NE #300, Prior Lake, MN 55372
(952) 806-5058

Mortgage refinance companies in Prior Lake, Minnesota help homeowners adjust loan terms or lower interest rates. Minnesota law requires lenders to provide a clear loan estimate within three business days of application. Local companies understand Scott County property values and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Prior Lake Cost?

Typical costs for a mortgage refinance in Minnesota range from 2 percent to 5 percent of the loan amount. For a 200,000 dollar loan, this means 4,000 to 10,000 dollars in fees. Common expenses include an appraisal fee of 400 to 600 dollars, title search and insurance of 700 to 1,200 dollars, and lender origination fees of 0.5 to 1 percent of the loan. Costs vary by lender and loan type. This is general information and not 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 is the typical timeline for a mortgage refinance in Prior Lake?
A standard refinance in Minnesota usually takes 30 to 45 days from application to closing. Delays can occur if an appraisal is needed or if title issues arise. Your lender must provide a closing disclosure at least three business days before closing.
Do I need a home appraisal to refinance in Prior Lake?
Most lenders require an appraisal to confirm the home value. In Minnesota, the appraisal must be performed by a licensed appraiser. If you have significant equity, some lenders offer appraisal waivers.
Are there Minnesota specific laws about refinance fees?
Yes, Minnesota law limits certain origination fees and requires lenders to disclose all costs upfront. The state also has a mortgage satisfaction fee cap of 25 dollars. Always review your loan estimate for any prepayment penalties.

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