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8 agents listed
Updated May 2026
Winona, 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 8 mortgage lenders in Winona, 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.
Bell Bank Mortgage, Heather Larsen
902 E 2nd St Suite 211, Winona, MN 55987
5074596416
Merchants Bank
102 E 3rd St, Winona, MN 55987
5074571100
Altra Federal Credit Union - Winona
526 Orrin St, Winona, MN 55987
8007550055
WNB Financial
1491 W Broadway St, Winona, MN 55987
5074548800
Wells Fargo Home Mortgage - Bridget Schoonover
125 Main St, Winona, MN 55987
5072505447
Patrick Smock Loan Officer
840 Mankato Ave Suite B, Winona, MN 55987
5074943026
Wells Fargo Home Mortgage - Amie Kruger
875 34th Ave, Winona, MN 55987
5072055894
Latonia Schmitt, Mortgage Loan Officer
1491 W Broadway St, Winona, MN 55987
5074949308
Mortgage lenders in Winona, Minnesota help homebuyers and homeowners secure financing for purchases and refinancing. Minnesota law requires a standard purchase agreement and disclosure of lender fees under state statute 58.13. Local lenders understand the Winona housing market and can guide you through the process.
What Does a Mortgage Lender in Winona Cost?
Typical costs for a mortgage in Minnesota include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $1,000 to $2,500. Closing costs generally range from 2% to 5% of the purchase price. These amounts vary by lender and loan type. 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 Winona?
You typically need pay stubs, tax returns, bank statements, and identification. Minnesota lenders also require a credit report and a property appraisal. Your lender will provide a full list based on your loan type.
How long does it take to close a mortgage in Minnesota?
The average mortgage closing in Minnesota takes 30 to 45 days. This timeline can vary based on loan complexity and appraisal scheduling. Your lender will give you an estimated closing date after application.
Are there first-time homebuyer programs in Winona?
Yes, Minnesota offers the Minnesota Housing Finance Agency programs for first-time buyers. These include down payment assistance and lower interest rates. Winona County also has local grant options for eligible buyers.
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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.