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Looking for a mortgage lender in Cottage Grove? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Cottage Grove, 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 Minnesota before hiring.
Showing 4 mortgage lenders in Cottage Grove, 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.
PHH Home Loans
7750 Harkness Ave S, Cottage Grove, MN 55016
6517696848
US Bank Mortgage
7135 E Point Douglas Rd S, Cottage Grove, MN 55016
6517683200
Bre Garcia-U.S. Bank Mortgage
7200 80th St S, Cottage Grove, MN 55016
6517683201
Capstone Mortgage, LLC
7630 Homestead Ave S, Cottage Grove, MN 55016
3862024498
Mortgage lenders in Cottage Grove, Minnesota help home buyers and homeowners secure financing for home purchases and refinancing. Minnesota law requires lenders to be licensed through the Minnesota Department of Commerce. Local lenders can guide you through conventional, FHA, VA, and USDA loan options available in Washington County.
What Does a Mortgage Lender in Cottage Grove Cost?
Typical costs for a mortgage lender in Minnesota include an origination fee of 0.5 percent to 1 percent of the loan amount, an appraisal fee of $400 to $700, and title insurance costing $1,000 to $2,500. Closing costs in Cottage Grove generally range from 2 percent to 5 percent of the purchase price. 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 documents do I need to apply for a mortgage in Cottage Grove?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Minnesota lenders also require a signed purchase agreement and proof of homeowners insurance before closing.
How long does the mortgage process take in Minnesota?
The process usually takes 30 to 45 days from application to closing. Minnesota law requires a three business day review period after you receive the Closing Disclosure before you can sign final documents.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Minnesota.