Top 3 Mortgage Lenders in Bemidji

Bell Bank Mortgage is consistently rated as one of Minnesota's top mortgage lenders with an exceptional 4.9-star rating. They have a strong physical presence in Bemidji with local loan officers who understand the unique northern Minnesota market. Known for their "Pay It Forward" philosophy and outstanding customer service, they offer competitive rates and personalized guidance throughout the entire mortgage process. Their extensive experience with rural housing loans and USDA programs makes them particularly well-suited for the Bemidji area.

Bremer Bank has deep roots in northern Minnesota with over 80 years of serving Bemidji and surrounding communities. Their 4.8-star rating reflects consistent customer satisfaction and reliable service. As a community-focused bank, they offer local underwriting and decision-making, which can speed up the mortgage process. They're particularly strong with construction loans and first-time homebuyer programs, and their physical branch in downtown Bemidji provides convenient in-person service for local residents.

Minnesota Mortgage Solutions specializes in serving northern Minnesota communities including Bemidji, with an outstanding 4.9-star rating from hundreds of satisfied customers. As a dedicated mortgage brokerage, they work with multiple lenders to find the best rates and terms for each borrower's unique situation. Their expertise with rural properties, lake homes, and unique northern Minnesota housing situations makes them particularly valuable for Bemidji-area homebuyers. They're known for their educational approach and commitment to finding the right mortgage solution for each client.