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 its 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 is 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 your documents, you can do that. If you prefer to speak with knowledgeable experts the entire way through, you can do that too. This improved borrower experience is why you will find us so highly recommended by past clients and positively reviewed online. Simply put, we are different, and you will feel that during your mortgage journey.

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

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.
Cyndy D.
Cyndy D.
This group of people were fantastic to work with. They went above and beyond in order to get our closing done within 3 weeks. We have been trying to buy a condo for 2 years, and they were always available to help us out at a moments notice. Would definitely go through this company again in the future.
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!
Hailey L.
Hailey L.
Working with Dan was awesome! He made buying my first home a breeze!He was prompt in communicating and was always willing to answer any questions I had and was willing to take the time to explain the ins and outs of the loan and the loan process. He made my experience of buying my first home so easy! I can't say enough about my experience working with Dan. I will be recommending him to anyone I know needing a lender!
Andrew and Robin B.
Andrew and Robin B.
Tony and his team are amazing! They were so quick with everything! They kept us informed through the whole process and we had no hiccups because of it! Tony was only a phone call away with questions and told us everything. I would trust him to do my refinance or new mortgage any day! Thanks Tony and team!
Michael H.
Michael H.
Philip went out of the way to communicate, advise and provide information to help us achieve the best result possible. He hit it out of the park!
Emily L.
Emily L.
Wow. Just wow. I had a phenomenal time working with John Heinemeyer through lendsmart. I got his contact information from a family member and thought I would give him a call. I figured he would just give me what I needed and be on my merry way. But John went above and beyond all my expectations. I was a first time home buyer and he helped me through the process immensely. You could tell he cared about my wants and needs. He made getting a loan so quick and easy. He was very professional and was informative. If you are looking for someone who is down to earth, responsive, knows what they’re doing, and answers all your questions, it’s John!
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. .
Drew L.
Drew L.
Max and team were great to work with, and very quick to answer questions which helped the process move along at a great pace.
Mikki S.
Mikki S.
Thanks to Colin Cherry at LendSmart, we were able to realize our dream with the least amount of stress possible. Colin’s ability to give us options was amazing! Having options gave us the confidence to move quickly and aggressively to realize our dream. He doesn’t take the easy route - he unlocked what I had been told was not possible. Thank you, Colin!
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!
Daniel F.
Daniel F.
David Cathrae and his team are top notch. Thank you all for keeping everything stress free for us by your leadership and open communication. We will without hesitation recommend you guys every opportunity we get! Natalie and Jeremy, you two went above and beyond for us by answering our questions in a timely and patient manner! You've made the process very easy. Thank you!
Dira S.
Dira S.
Eric and LENDSmart made my refinancing easy, smooth and painless. He is professional and always available to answer any questions. I would absolutely recommend to anyone needing to finance.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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!!
RJ C.
RJ C.
Talia diligently followed through on every item on the task list.She kept everyone up to date with text messages and emails.Closing day went very smoothly because Talia kept everything on schedule every day. Of the process.
Abdisalan F.
Abdisalan F.
John is my one person to go to when I need my home mortgage. John treat me as one of his family. He treated us respect and he made us part of his family. I wanna say, John thank you so much for making my dream come true, we wouldn't have a home if it was not you. You are the best.
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]
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.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Shonna M.
Shonna M.
The process was relatively easy and very fast!
Rebecca J.
Rebecca J.
I worked with Dan Murray out of the Roseville MN office to purchase a home in Florida and he was amazing! He knew all the answers to any of my questions and was always very involved in the process and always available. I would recommend him to anyone looking to purchase a home.
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.
Jeff and Angela Badgett (The Badgett F.
Jeff and Angela Badgett (The Badgett F.
Great experience. Steve works hard for his clients. He helps you make informed decisions. And, is very personable.I would highly recommend Steve and LendSmart Mortgage. Closing was quick and easy!!
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.
Jim F.
Jim F.
James Summers did a great job, everything went smoothly and in a timely manner.
John G.
John G.
We had a great experience using this company. Talia Schalkle did an excellent job! I have worked with her several times and she always makes the process flow smoothly. Highly recommend using her and this company.
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!
Annie R.
Annie R.
This is the second time in the last five years I have worked with Colin Cherry and it was a breeze. Colin is extremely knowledgeable about the process and knew how to apply to get me the best savings and the most money from our cash out refinance. Everything they needed from us easy to upload and signing was extremely simple and time appropriate. Thanks Lendsmart!
Jim W.
Jim W.
Tony Machometa and his team were a joy to work with. They kept in contact when there was a change or how the process was going. We highly recommend Lend Smart Mortgage to any one needing a home loan or a refinance.
Dan B.
Dan B.
Efficient and great communicators!
Ecaterina M.
Ecaterina M.
We are so appreciative to have had the chance to work with Colin! From start to finish the communication was prompt and efficient, Colin helped us identify the best loan scenario for our needs and made the process seamless. Thank you and we absolutely recommend them!
Rob C.
Rob C.
Great to work for--very helpful and supportive
Kaltun M.
Kaltun M.
Working with John was something i cant find words to describe! He made buying my first home a blessing!My best interest was a priority for him. I felt he was a family honest, caring and he is trust worthy!For me he was the one and only!He was prompt in communicating and was always willing to answer any questions I had and was willing to take the time to explain the ins and outs of the loan and the loan process. He made my experience of buying my first home so easy! I can't say enough about my experience working with John. I will be recommending him to anyone I know needing a lender!
Ryan S.
Ryan S.
Bobby was absolutely fantastic to work with. He made everything easy, and was super easy to get a hold of if I had any questions. I will recommend Bobby and Lend Smart to anyone.
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Megan B
Megan B
Mallory was amazing and handled everything with great professionalism! She answered all my questions I had about getting my loan and was very friendly and pleasant to work with
Aaron W.
Aaron W.
Dave is knowledgeable and communicates very well. I will use him again. Thanks Dave.
Anastacio A.
Anastacio A.
Tony Machometa and his team were great right from the start. He was super responsive, he was able to give us the rate in the first call and it didn't change and there were no surprises all through the paperwork and the transaction. His entire team was on top of things and following up for documentation and paperwork - they made sure we closed and their reminders and follow-ups were super helpful as we had busy schedules ourselves. Always available when we had a question - we had an excellent experience! Don't hesitate call Tony Machometa - 1000% better than any of our previous experiences with Lenders!
Lindsey B.
Lindsey B.
I just bought a house in Nampa, ID and I highly recommend Dave Cathrae and his team. They communicated very clearly and often every step of the way through phone calls, emails and text. I felt like they were truly cheering me on the whole process! I trusted them completely and knew they always had my best interest in mind! We are thrilled!
Danica D.
Danica D.
A smooth process from start to finish to refinance our home. Natalie and her team (especially Jeremy) made communication easy. The team was with us every step of the way. Thank you for helping us achieve our financial goals! We are so happy we chose Lend Smart Mortgage.
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.
Peter K.
Peter K.
I recently worked with Colin from Lend Smart Mortgage to buy my house. He was referred to me by a trusted realtor and I am extremely pleased with the process and results. Professional, patient, knowledgeable and friendly. I haven't used other mortgage apps before but I found it easy to use and safe.
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!
keri L.
keri L.
Bobby was very professional and personable during our loan process. He navigated the loan process with us keeping us informed of changes, needed information and a overcoming any glitches that arose. Bobby made us feel confident and secure throughout the process- I will only go to him for future lending needs! I highly recommend him!
Eva G.
Eva G.
Flawless process from start to finish. Great interest rate and knowledgeable team.
Raquel S.
Raquel S.
Our case was very hard (extremely) it took lots of time, energy, a lot of knowledge and Lynette and her team handled it. YAY!! They were very knowledgeable about the assistance programs and loan programs we were using so when they hit a moat hill they plowed right through it!! They are terrific!!
Peter S.
Peter S.
Turned to Bobby Murray for my refinancing needs. The handsome son of a gun took to it immediately and led me through the process! From inquiry to closing in no time flat!
Angelica H.
Angelica H.
Thanks Maxwell and Lend smart team, highly recommended 👍🏽
tenisha N.
tenisha N.
Our pleasure to work with you! ❤️
dao H.
dao H.
Dan Murray is great! He’s very good at communicating and quick response to your questions. I would love to use him for my next house. Thank you Dan, I loved the house that I just bought.
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
Christina P.
Christina P.
Patience, patience,patience…… this is what we were told we were gonna need. I can say that it took Lendsmart the same motto dealing with us. Lol in the long run (and I mean long) everything finally pulled together and we have the keys to our new build. After one mortgage company saying there was nothing that can be done to Max saying this isn’t impossible but it’s gonna be rough, he wasn’t lying. Just thankful we decided to stick this out and do what we had to do, definitely worth it.
Yee C.
Yee C.
Babette was very helpful in my loan process. She communicated with me throughout the whole process and made it so much easier. Thank you so much for everything.
Sarah B.
Sarah B.
Excellent experience with this group! Chris made my home buying experience less stressful than I anticipated, even in this crazy market! Would recommend to everyone!
Next Reviews
#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.

View All