Best Mortgage Refinance Companies in Saint Paul

Why These Mortgage Refinance Companies?

Our goal is to connect people with the best local experts. We scored Saint Paul Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

Reviewed Curated Top Picks 156 98 11

Our Selection Criteria:

  • 1. Availability

    Consistently approachable and responsive, so customers never feel ignored.

  • 2. Qualifications

    Building customer confidence with licensing, accreditations, and awards.

  • 3. Reputation

    A history of delighted customers and outstanding service.

  • 4. Experience

    Masters of their craft, based on years of practical experience and education.

  • 5. Professionalism

    Providing service with honesty, reliability, and respect.

Read more about our selection process

Bremer Bank

Founded in 1943, Bremer Bank is a full-service mortgage refinance company in Saint Paul. It serves homeowners who want to refinance their mortgage to improve its interest rates, shorten their loan term, lower monthly payments, or obtain cash out funds. The bank offers various lending options, including conventional, jumbo, FHA, and VA loans. Loan officers help homeowners determine which loan option and terms best meet their specific needs. Bremer Bank also offers construction, land, and home equity loans.

372 Saint Peter St
Saint Paul, MN 55102


Heartland Credit Union

Heartland Credit Union is a nonprofit financial institution founded in 1939 near Saint Paul. It specializes in home mortgage and refinancing solutions. Loan officers assist homeowners considering refinancing their current mortgage to obtain better rates and lower monthly payments. Its mortgage offerings include conventional, jumbo, VA, FHA, and USDA loans. Heartland Credit Union also works with homeowners seeking to shorten the term of their mortgage through a 10 or 15-year fixed-rate home free refinance loan.

5500 S Robert Trl
Inver Grove Heights, MN 55077


SPIRE Credit Union

Spire Credit Union has been serving customers throughout Minneapolis and its surrounding communities since 1934. Its loan officers help homeowners refinance to save money with lower interest rates, smaller monthly payments, or reduce the duration of the loan. It also assists consumers with home equity loans that take money from the home's equity and allows borrowers to use it for substantial purchases, debt consolidation, or remodeling and repairs. Some homeowners may qualify to roll the closing costs into the loan's balance.

3117 University Ave SE
Minneapolis, MN 55414

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