Top 3 Mortgage Lenders in Richmond

Stearns Bank is a highly-rated regional financial institution with deep roots in Central Minnesota, serving Richmond and surrounding communities for over a century. They maintain exceptional 4.8-star ratings across multiple platforms for their personalized mortgage services, competitive rates, and local decision-making. As a community-focused bank with strong agricultural and residential lending expertise, they understand the unique needs of Richmond area homeowners. Their mortgage team provides comprehensive guidance through the entire home financing process with quick turnaround times and local underwriting.

Bell Bank Mortgage consistently ranks among Minnesota's top-rated mortgage lenders with outstanding 4.9-star customer satisfaction ratings. While headquartered in the Twin Cities metro, they actively serve Richmond and Central Minnesota with dedicated local mortgage consultants. Known for their "Pay It Forward" philosophy and exceptional customer service, Bell Bank offers competitive rates and a streamlined digital mortgage process. Their team specializes in first-time homebuyer programs and provides personalized guidance through every step of the mortgage journey, earning them numerous industry awards and customer accolades.

CrossCountry Mortgage maintains a strong local presence in Central Minnesota with a St. Cloud branch that actively serves Richmond area homebuyers. With 4.7-star ratings and nearly two decades of experience, they offer a comprehensive range of mortgage products with competitive pricing and flexible terms. Their local team provides personalized service with the backing of a national lender's resources and technology. Specializing in both purchase and refinance transactions, they're particularly noted for their responsive communication and ability to close loans efficiently, making them a popular choice for Richmond residents seeking reliable mortgage services.