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

Carly S.
Carly S.
Colin Cherry with Lend Smart was absolutely amazing! He took the time to answer all of our questions and clearly explain the process. If you are looking to purchase a home, I would highly recommend Colin!
Terry D.
Terry D.
Mallory is absolutely wonderful!I have never had such a pleasant & stress free experience on a mortgage before.I know a lot of work was going on that I didn’t see, but Mallory made it so easy for my wife & myself I almost feel guilty.Mallory kept everything moving quickly throughout the entire process and she responded to every question & concern amazingly fast.Mallory & her team were fantastic from start to finish.Thank you!
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.
Michael D.
Michael D.
Phil and his team were very professional, helpful, cheerful and overall very good to work with. They made our refinancing process go incredibly smooth and they provided prompt answers to all of our questions and concerns.
Matthew D.
Matthew D.
We just can’t say enough about how Natalie went above and beyond to make our loan work for us. I can only imagine the behind the scenes hard work and extra hours she spent making our loan work for us. Natalie is not only very professional and very knowledgeable in her work but is also a very personable person and has excellent communication ethics. She would either answer her calls or would return my calls in a very timely matter, usually within several minutes or that same day. She didn’t make us feel like we were just another client number but treated us like new friends. There isn’t enough stars to give her and will recommend her to anyone that needs her service.
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. .
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!!
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!
Edward K.
Edward K.
Was a pleasure working with Dave, Natalie and rest of the team at Lend Smart Mortgage! They worked tirelessly throughout the process, didn't feel rushed at any point, very professional and friendly!
Rcpv
Rcpv
Bill Trader is amazing to work with, very understanding with how hectic life can be. I work long over night shifts and our communication through email was excellent. I highly recommend him and plan on going to him again in the future, and send friends and family his way.
Forest R.
Forest R.
shout out to John and Charissa they were awesome. so patient with us and made everything a breeze. Thank you so much.
Trebor P.
Trebor P.
David cathrae and natalie hill was a pleasure to work with very knowledgeable and helpful on explaining the whole process. Awesome people to work with on your loan needs.
Jessica D.
Jessica D.
I HIGHLY recommend Mallory from Lendsmart! She is truly the sweetest person and goes above and beyond to help you in any way she can. She helped us purchase our first home and really walked us through every step of the way, keeping us in the loop, explaining details so we could understand (and multiple times over) and always got back with us so promptly - which is always the NICEST thing to have. She truly is such a wonderful person and is amazing at her job. She made purchasing our house (from out of state!) go so smoothly. I could not recommend her more!
Tru
Tru
Dave Cathrae is the best! He is very knowledgeable, has a great personality, and always willing to make sure all our questions (big or small) were answered.
Michael R.
Michael R.
Hit some snags as is common in the buying process but Phil was always available, patient, informative, thorough, and working hard to get our loan closed. Will use in the future for sure.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Tom D.
Tom D.
Great Service! Phil Burgeson made the process of obtaining a home loan easy and painless. He was knowledgeable and offered many differing options to our home finance needs. He presented us with reasonable solutions to our complex mortgage loan issues. I would recommend Phil and his team to any of my friends and family. In fact, he is now working with my son and daughter-in-law on securing a home loan for them. Two big thumbs up for Lend Smart Mortgage and the Phil Burgeson team.
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!
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.
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]
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!
sandra I.
sandra I.
Max was very helpful since the first day , he was very honest and he delivered what he told us since the binning. Process was very smooth and he made it very easy us. definitely i would come back if i need help again and definitely I would recommend Max to my family and friends.
Heidi A.
Heidi A.
A big shout out to Natalie Faith Hill at Lend Smart Mortgage, you were such a joy to work with and kept me on track the whole time throughout my home buying experience. Natalie was always incredibly organized, efficient, patient, and quick to reply to questions. Natalie and Phil Burgeson were able to get me an amazing rate and even helped to accommodate fees when building delays were out of my control. Thank you for all of your amazing service. I would recommend Natalie & Lend Smart in a heartbeat.
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!
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!
Ryan M.
Ryan M.
Colin Cherry made refinancing my home a breeze! Quick, transparent, and great communication. Would recommend and use again in the future!
Clinton R.
Clinton R.
Natalie did an excellent job with my home loan and I give her the highest possible recommendation. She was very easy to communicate with, always made herself available for questions and had a friendly, eager to help attitude from start to finish. Professional and knowledgeable, I felt like I was in capable hands throughout the entire process. Natalie will be my first call next time I need a lender.
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.
Jen H.
Jen H.
Max and his team are great to work with. Fast and efficient and are much more then just a lending company. Will continue to use this group in any future endeavors. Thanks Max Trader and team!
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Dan B.
Dan B.
Efficient and great communicators!
Phil L.
Phil L.
The original loan with Lend Smart went very smooth. It was a no-brainer to repeat that experience again and so the refinance was stress free as well.
Denysse T.
Denysse T.
Working with Jesse De la Cruz and lend smart mortgage was the best decision my family and I made. We have been struggling for five years to buy a home and no lender could ever get the job done. Jesse did the impossible in LESS time than we anticipated and an AMAZING deal on our first home!!! We are so grateful to him and would recommend him to anyone needing to buy a home.
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.
Julian R.
Julian R.
What a pleasure it was to partner with Dave in the recent purchase of our new home.He is knowledgeable and qualified to answer all of our questions in a timely manner, and guided us through the unforeseen challenges that pop up during a mortgage process.We would not hesitate at all to recommend him to our friends and family. Thank you Dave!!
Rogdrick C.
Rogdrick C.
I worked with Joe Hoff on a refinance. It was a 10/10 experience. He was patient in answering all of my questions, and he made the process as easy as possible. I give him and Lend Smart my full recommendation for all mortgage needs.
Jens K.
Jens K.
Colin was great! His knowledge, experience, and dedication were evident throughout our mortgage process. Even when we presented him with unusual challenges and changes late in the game, Colin skillfully handled it all, helping us get the right mortgage to close the deal on our new home. Thanks, Colin!
Torri S.
Torri S.
I normally don’t write reviews but let me tell you that Dave Cathrae and Natalie Hill at LendSmart, hands down knocked it out of the park with my boyfriends and I mortgage loan, we had a rocky start due to me changing jobs while closing but we all put in some serious hard work and to make this a dream and I can hands down say that if you have them on your team they will not disappoint and go above and beyond. And we are so great full for everything they have done for us and will recommend family and our friends to them 100 percent! Thanks again guys for helping us get into our first home !!
Mary B.
Mary B.
Was kept informed all the time. Only problem was all options should have been gone over after the house appraisal came through. Otherwise no problems. Natalie was also very helpful. Good experience.
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.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Jeff G.
Jeff G.
I worked with Jackie Flynn and she is amazing! I recommend her to anyone that's in the market to buy or refinance.
Tristin W.
Tristin W.
Heidi Fisher with Lend Smart Mortgage, LLC was great to work with for my first mortgage loan. She was knowledgeable and professional. Definitely recommend her for anyone looking to buy a home!
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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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