# Best Mortgage Lenders for Conventional Loans in St. Cloud, MN - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top Conventional mortgage lenders in St. Cloud, MN across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** St. Cloud, MN
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 44
- **Total Loan Volume:** 1,801
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Liberty Bank Minnesota](https://saferate.com/lenders/liberty-bank-minnesota) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 2 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [Gate City Bank](https://saferate.com/lenders/gate-city-bank) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 4 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 5 | [Bremer Bank, National Association](https://saferate.com/lenders/bremer-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 6 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 7 | [Bell Bank](https://saferate.com/lenders/bell-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 8 | [Deerwood Bank](https://saferate.com/lenders/deerwood-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 10 | [GRANITE BANK](https://saferate.com/lenders/granite-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/st-cloud-mn/best-mortgage-lenders/banks/conventional-loans)