Our Mission Statement

To demonstrate leadership through integrity, knowledge and dedication to our clients and business partners.  

We Are Ready To Help

Our Story

Lend Smart Mortgage has operated as a mid sized, locally owned retail lender since inception in 2006.  We have made several acquisitions over the years to continue our planned growth and expand our licensing base.

We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process from start to finish.  Not only does that make a difference in the service level we can provide to our customers, but it also makes a difference in the price we can offer our clients as there are no middle man eating away at profits.

We have worked hard to create the right balance between personal communication and technology to improve the borrower experience.  Your experience becomes your choice.  If you prefer to use our mobile app to do everything from applying for your loan to uploading your documents or even signing you documents, you can do that.  If you prefer to speak with knowledgeable experts the entire way through, you can do that too.  That improved borrower experience is why you will find us so highly recommended by past clients and highly reviewed on line.  Simply put, we are different and you will feel that during the mortgage process.

Our motto has always been “big company offerings with a small company feel”.  Being mindful of this culture is one of the reasons that our employees and customers remain so loyal.  We look forward to working with you and appreciate the opportunity to earn your business.

Making It Easy to Close a Loan.

Our Smart Loan app allows you to:

Scan and upload documents

E-sign documents

Use mortgage calculators and save

Contact you through the chat feature

View real-time loan status progress

Apply Now

5.5 Years

Average Tenure of Employees

59%

of Employees Stay after 7 Years

Join Our Team

33%

of Employees Stay after 10 Years

#Testimonials

We Love Our Customers

Noah B.
Noah B.
Tad Leferink & Jessica Coleman are incredible - 10 out of 5 stars. They helped me navigate an FHA loan, which is not an easy task! We made the quick closing date and I am forever grateful to this group. Do not waste your time looking anywhere else, this is the best group in the Twin Cities. Highly Recommend!!
Ronald J.
Ronald J.
I would like to share my experience that I had with my refinance of my home. The whole experience was very good and fast. The whole time that played apart in this matter was brilliant 👏👌🙌😀 ! If anyone ever needed help please 🙏reach out to Samantha Wang she is the BEST that I have ever did any business with hands down!!!!! She will stay on top of the process and keep you updated throughout the the whole process. Thank a million 🙏🙌❤👏♥ Samantha you and your team are awesome 👌👏🙌😎. Thanks again from Ronald !!!!!!!!
John Barsness J.
John Barsness J.
Gregg did a phenomenal job helping me and my family get our mortgage set up to buy our first home! Gregg, Dan and Amy consistently kept me up to date on the progress of our loan, and we’re extremely helpful and informative. I definitely felt like I was in good hands working with them to purchase my first home. I would highly recommend using Lend Smart for anyone considering buying a home. We are very grateful for their leadership and guidance.
AB K.
AB K.
Nate and his team in Duluth gently guided us through the process of purchasing our new home. Always accessible, Nate quickly responded to an emailed question even on a Saturday. We are grateful to them for working with a tight deadline. Highly recommend!
Damien B.
Damien B.
Dave Cathrae is the best, the is our 6th loan from him and will always stick to him and his guidance.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Fernando M.
Fernando M.
Im a first time buyer I dont think i could have purchased my home without Lynette's expertise and experience. Lynette held my hand thru this process and answered every question i had. I felt comfortable working with Lynette Moreno.
Dawn M.
Dawn M.
It was a very easy process and Blaine was super knowledgeable and helpful in getting the best interest rate locked in!
Amy S.
Amy S.
We had a terrific experience with Dave and Natalie at Lend Smart Mortgage. They are professional, respond quickly with questions and highly organized. We would not hesitate to work with them again. Much thanks!
Brad G.
Brad G.
Thank You Mike Ruhland! Thanks for making my dream house come to life and wrapping up my loan in such short notice. Mike and his staff came through for me when others could not and I am extremely satisfied with how the process went. Thanks again on a job well done!
Moses D.
Moses D.
Good works deserves good recommendation, I appreciate the effort of Mrs nancy robert for helping me manage my investment. Profits is been made weekly as she promised, i invested $500 and now making $6,200 weekly, All thanks to her, wouldn’t have been easy but she made me and my Family smile, Send her a DM and thank me later
WhatsApp number; +13198204277 Email: [email protected]
Alesia S.
Alesia S.
Nate went above and beyond to make sure that not only our mortgage for our new home was completed on time and ready for closing he also stepped in and helped to make sure that the closing for the house that we were selling was really going to take place. He was in touch with our selling realtor and our buying realtor. He went above and beyond to contact everyone and anyone that could push along the sale of our house. He kept us calm throughout the whole process and touched bases with us several times a day the days leading up to our closing dates. This is the 4th mortgage (3 house purchases and one refinance) that we have worked with Nate and he always goes above and beyond for his clients. THANK YOU Nate for EVERYTHING.
Dan B.
Dan B.
Efficient and great communicators!
Cesar De La C.
Cesar De La C.
Working with Rameen Qader was more than a pleasure. I was both the buyer's agent and the buyer for the particular transaction. On the agent side I recommend Rameen to all my clients. She made me and my wife aware of every step in the process. She even thought ahead and asked for documents we would in the future. Because of this, we were ahead of schedule in our closing. The best part is that I got money back on the day of closing. Apart from being great to work with she has a great warm personality and is always willing to help.
Hunter F.
Hunter F.
Corrine Allan helped me a huge amount with the whole process of closing. It was my first time purchasing a home and I felt that everything was transparent and that I was not taken advantage of, especially considering my young age. Highly recommend lendsmart and specifically Corrine Allan!
Rich L.
Rich L.
Dave and his team provided excellent information and service at every turn. They were quick to respond to any and all questions that I had during the refinance process. Dave went above and beyond for us as we had some unique challenges. I felt like they really cared about me and wanted the best for me at every step. In addition they were always very positive and encouraging. I could not have asked for a better refinancing experience.
William R.
William R.
Tim was very receptive to our questions and clearly explained every step of the process.
Jason G.
Jason G.
My experience with Tom Dolan and our refinance was fantastic! He explained everything along the way. His attention to detail with my loan, his patience with all my questions and customer service was second to none! Such a smooth process throughout. Thank you Tom!!
Carla R.
Carla R.
I loved the professional attitude, and Mr Ernest Jones was spectacular in all the communications we had; there were many!
His explanations on the process were very easy to understand. It definitely was a good experience. Lend Smart kept me informed all along the way. Thank you for your service. .
John S.
John S.
Kelli was a wonderful loan officer. She kept us in the loop about everything the whole time. Anytime I called her, she was always available.
Rick L.
Rick L.
I have been associated with Lend Smart Mortgage for over 6 years now. Initially as a business partner and an Employee since Nov 2014. Was happy to come on board with a great company filled with awesome people. The company is always growing and moving forward. If you need a home loan, be smart and choose Lend Smart!
Jenny W
Jenny W
We had a great experience using Lend Smart Mortgage for our recent home purchase. We had the opportunity to work with Phil and Natalie, and we are very satisfied with the whole experience. They are both incredibly helpful and very communicative. Thank you for outstanding service!
David Law I.
David Law I.
This is my second time with Lend Smart. They were on time with everything and the communication was clear and precise. Great personalities and a positive experience.
Timothy E.
Timothy E.
Our lender David Montoya did a fabulous job in making the process as painless as possible and always went the extra mile in communicating what was going on. We would absolutely recommend David and Lend Smart Mortgage to anyone buying a home. Thanks again David!!!
rjcook450
rjcook450
Communication was great and process moved very smoothly.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Erin L.
Erin L.
I cannot be more thankful for David. He not only helped us ensure we got our next dream home (moving across state lines), he was honest, unbelievably communicative, thorough, and he helped influence my selling side as well to make sure we closed on our house in time. There is not a thing David wouldnt do to make sure we got this house, and we are in love with it. We cant thank him enough for going above and beyond every step of the way.
James P.
James P.
David and his team are very responsive. They take the time to listen to your concerns and ensure you understand what is going on. Options are clear, making it easier to make decisions. We've used David multiple times for mortgage needs and he has always served us well.
Shay P.
Shay P.
Phil from Lendsmart in Hermantown made me a very excited & confident first-time home buyer. From the get-go, Phil made us feel comfortable, doing a great job explaining the process as basic or as specific as need be. He & Teri were both very quick to give or ask for information as it was needed, even outside of office hours. They did everything they could to make the buying process quick & painless. Thank you again!
Amy B.
Amy B.
Phil Burgeson goes above and beyond to match his clients with the best loan programs. He provides outstanding communication, responding quickly to text/emails/phone messages. I greatly appreciated Phil's work on a personal refi, and I am glad to recommend his services.
Lisa Aranda G.
Lisa Aranda G.
Jason made our home buying experience so easy and painless! He communicated with us throughout the whole process and was always available to answer our questions.
Kern N.
Kern N.
Colin at Lend Smart Mortgage is a mortgage master. He navigated my non-traditional employment with aplomb, and we got it done, and done early. A true professional.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Caitlin de la C.
Caitlin de la C.
Rameen was very helpful and we felt confident leaving our information and trust in her hands to walk us through the mortgage process. Highly recommend
Glenyce W.
Glenyce W.
Monica Crim and her team (Especially Carolyn) were very helpful in the process of purchasing my home. They were very responsive and worked tirelessly until I was cleared to close. I appreciate their professionalism and hard work!
Bobby S.
Bobby S.
He was always on point. He let us know when things changed. He kept in contact with us everyday. He is well respected and awesome to talk with. He made sure everything was done. He He is overall a Fantastic person yo go threw for a loan. I would do it all over again. With him thank you very much Mike!!!!
Bel L.
Bel L.
Jesse De La Cruz did a fantastic job getting me pre-approved and approved for a home loan. He made the process very simple, got me an amazing rate, simplified each step, and "held my hand" throughout the entire process!
Monique N.
Monique N.
This is the second time that I have applied for a mortgage loan with Tonius. The first time I bought a house he was the loan officer and everything went so smoothly. He explained the process when I applied and then kept me informed each step of the way. That is why when it was time purchase another home I did not hesitate to call Tonius. He has the experience and knowledge that you need to help you through the mortgage loan process. 5 stars!
rose A.
rose A.
Lend Smart agents were very effective, and their customer services were superb. They were reliable, dependable, and professional.
Dennis E.
Dennis E.
Very prompt and easy to work with. Quickly looked into any issue that came up.
Sue M.
Sue M.
It was a pleasure to work with Phillip, he answered all my questions and when I didn't understand he would explain it to me again, when ever I called and he wasn't in he got back with me promptly.
David P.
David P.
Excellent and really involved and helpful
Allison A.
Allison A.
Suzi and her team were a fabulous group to work with! They were available and helpful when I had questions. I would definitely recommend!
Amanda Margaret Van W.
Amanda Margaret Van W.
Colin was great! This was our first home purchase and we love that we were kept informed, the information was easy to access, and we were able to get answers to all of our questions along the way from a human who cared.
Kyle M.
Kyle M.
John Heinemeyer was absolutely fantastic and was very attentive throughout our home purchase. LendSmart was able to get us an awesome interest rate that allowed us to afford our dream home!!! Highly recommend!
Aaron M.
Aaron M.
Dave and his team were awesome to work with. They advocated for my wife and I the entire home buying process. I highly recommend this team to anyone looking for a professional, hard working, speedy group! Thanks Dave
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#How We Work

DIGITAL EXPERIENCE

We are committed to providing our customers with exceptional service while offering our employees the best training.

#Our Benefits

WHY CHOOSE US

We are committed to providing our customers with exceptional service while offering our employees the best training.

Purchase & Refinance

Whether your a first time home-buyer or looking for another investment property, know that Lend Smart Mortgage, LLC will take care of you. We have helped thousands of customers find their dream property or simply refinance their existing home.

Purchase Refinance

Career

Lend Smart Mortgage, LLC is a national mortgage lender who has recruited and trained some of Americas top mortgage experts. If you have what it takes to join our elite team, we want to hear from you today!

Join Now

Our Locations

From MInnesota to Arizona and back to South Dakota, Lend Smart Mortgage, LLC has 23 offices throughout the United States that service customers nationally. Check out our branch locations and our Loan Originators by state.

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