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

Brooke A. F.
Brooke A. F.
Great, stress-free, experience!! Would 100% recommend using Lend Smart Mortgage company when purchasing a new 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.
Andrea G.
Andrea G.
Helped us get our house. Very hard working to make their customers accomplish their dreams of owning their dream house!
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
Katie D.
Katie D.
Corrine (Hibbing) is absolutely amazing! This is my second home with her by my side! She walks me through everything, I’m never in the dark of what’s going on or what’s needed from me. Absolutely a wonderful experience and would suggest her or the company to anyone!!!
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!
Joel P.
Joel P.
I have used Colin Cherry three times: to finance a first mortgage, a refinance, and a second refinance a few years after that. I can tell you that he consistently delivers. His guidance through the application process is solid and honest. When we found an error on my credit report that drove it lower than it should have been, Colin went above and beyond to help me get that error corrected - even helping drafting a letter to some office in the Philippines! It was his follow though that kept me coming back for his services. I highly recommend using his services.
James S.
James S.
Thank you for everything you did in my home buying process! With your knowledge and connectivity you made the process as easy as I could have every hoped!
Rob C.
Rob C.
Great to work for--very helpful and supportive
Julio V.
Julio V.
Tonius Frank was very helpful, professional and always there when we needed his assistance. Tonius Frank and Aileen Marcus are the best at what they do. I am glad I was put in touch with such a great and amazing team. Thanks again for everything guys and take care.
Helen P.
Helen P.
I found an awesome Loan Officer with Lend Smart Mortgage LLC, his name is Jesse De La Cruz, an employee to have in any Mortgage Company, his great sense of humor is incomparable, an intelligent man that knows his job very well. He patiently worked with me for good three years, he worked me through step-step to achieve my goals, till I finally got my 1st home. Very sincere and humble man. I will recommend Jesse hundred times to families, friends and coworkers.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Marisella M.
Marisella M.
John H with Lend Smart made buying a house incredibly smooth and stress free. The whole process he was there and available to answer any questions we had and to offer advice when asked. Thanks John!
Tammy R.
Tammy R.
Our experience refinancing with Lend Smart Mortgage was fantastic. The process was seamless. John Heinemeyer, our loan officer, was professional and responded back to answer questions very quickly. We would highly recommend reaching out.
Amy Bob K.
Amy Bob 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!
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.
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.
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!
Migzs
Migzs
Great people to work with! Highly recommend. Jesse is so friendly and will go above and beyond to make you happy. Appreciate all the work he did for my family and I.
JERRY L.
JERRY L.
Tim and jessica did a great job helping me get my lake house ! They always called me back even after hours on weekends ! Very strait shooters , they worked hard till the day we closed and on time.I will never forget them for what they did for my family to get our dream house up north.
Patrick S.
Patrick S.
Helpful and made everything very understanding. Very thankful for there help in getting our home
vern B.
vern B.
Tim made our refinance process incredibly simple and easy. In the beginning, Tim offered various options that were available allowing us to pick which option fit our situation the best. His answers to our questions were very prompt with precise answers. I would recommend Tim to anyone needing a home mortgage.
Nate B.
Nate B.
Great to work with. Walked me through the process and got it done quickly.
Patricia W.
Patricia W.
We chose Corrine Allan for our mortgage specialist and are so happy that we did. She went above and beyond what we expected. She was so helpfulwith all our questions, always available when needed and made us feelvery comfortable with the process of applying for a mortgage. We highly recommend her exceptional services to anyone in the market for a new home.
Greg B.
Greg B.
The whole process was personal, organized and very convenient. Plenty of direct contact but simple items were well automated to ensure speed and accuracy. Thank you Tim, Jessica and the whole team at Lend Smart Mortgage.
Andy A.
Andy A.
Max was awesome! So easy to deal with. Would highly recommend him to anyone looking for a loan. I couldn't be happier.
Jennifer H.
Jennifer H.
I just closed on my first home yesterday. Max walked me through everything from the first day I even spoke with him about the idea of buying a home. I had tons of questions and he thoroughly explained everything to me. I'm so grateful!
Susan D.
Susan D.
I very much appreciated John's oversight of making sure every detail was complete and submitted on time. My life happened to be particularly hectic at the time I was applying for a mortgage, and John stepped up to the plate to help me complete all items that were needed. That's the best compliment I can give him is to announce: Mortgage granted without a hitch!
Dan B.
Dan B.
Efficient and great communicators!
Rachel K.
Rachel K.
Courtney Kelly did 4 refinances on our rental properties. She was very professional and made the process easy. She told us exactly what we would need upfront. None of the back and forth of needing this and then needing something else. We were informed every step of the way. Thanks for a smooth transaction!
Mark B.
Mark B.
Was recommended to work with Tim Beaudoin on a mortgage refinance through a friend. Tim and the team at Lend Smart were amazing. They explain everything clearly throughout the entire process, and were so helpful satisfying all my needs. I would highly recommend Lend Smart for your mortgage needs!
Jeff H.
Jeff H.
Excellent follow through and I trust John to have my best interest as his priority!
Alec T.
Alec T.
Bobby Murray made this stressful process pleasurable and seamless. He was always on top of everything and if he didn’t have a specific answer that made sense to me, he quickly worked to find the answer for me rather than brush the question off like many who look at a buyer as just a number. I loved working day to day with Bobby, and would recommend him to any buyer, regardless of what stage/product you’re looking for.
Linda L.
Linda L.
Colin Cherry was personally recommended to me by people I trust and that trust is now something that I can pass along. At every step of the process (which requires digging deep into one's personal financial records) Colin patiently guided me and answered any questions I had. He was available and followed through at every turn, making sure that we met deadlines and moved forward expediently. Colin and his staff managed my mortgage process efficiently and made it a pleasant experience, despite the obstacles that COVID-19 presented. Colin and Lend Smart Mortgage gets my highest recommendation.
Denise B.
Denise B.
After living overseas for 20 years, it was nearly impossible for us to get a loan. We didn’t fit the boxes in the US anymore. But Colin made it happen! Despite the many hurdles, he persevered and I couldn’t be happier with the result. We highly recommend Colin.
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.
Stefani L.
Stefani L.
Maxwell Trader has assisted us with refinancing our home multiple times over the years. He makes the process very simple and ensures we understood each step of the process. I am very pleased with my new loan and lower interest rate!
Jeffrey D.
Jeffrey D.
Blaine Niven gave me guidance through the entire processes of the refinancing of my home. Blaine gained and earned my trust with his approach and his patience. He educated me on my credit scores and explained, in detail, the process of my refinancing, setting the expectations with precision. Blaine's tenure in the mortgage industry was also instrumental with locking me in on the best rate possible.Thank you Blaine Niven!I will be referring Blaine Niven and Lend Smart to many more people.Jeff DuffySt.Paul, MN.
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!
Ray D.
Ray D.
Bill Trader was great to work with. This is the second time I have used this company and Bill walked me through every step. We are now saving over 400$ on our mortgage!
Rob H.
Rob H.
Fast, reliable and excellent at communication. They’re very helpful and always willing to answer whatever questions you have. I’d have no hesitation recommending them.
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. .
Lori G.
Lori G.
Easy to work with and saved me a bundle of money. Thanks for all the help!
Robert N.
Robert N.
This was my 4th refi and by far the best experience I had thank youCourtney your the best
BILL MAC M.
BILL MAC M.
In one word, SENSATIONAL !!
Charley D.
Charley D.
Lend Smart was super helpful throughout the entire mortgage process! They made sure to find the best loan for me. I'd recommend them to anyone.
Jason B.
Jason B.
My wife and I had an absolutely wonderful experience closing our loan with Lend Smart Mortgage. I trust them completely and so should you!
Trisha W.
Trisha W.
Excellent customer service and communication. Seamless esigning. Highly recommend. Charissa Myers was very helpful!
bashir T.
bashir T.
Wonderful experience with this teamAlways handy and around to see you througjh and will go extra length to get you all necssary informations and work you through.Thanks
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!!
Sarah C.
Sarah C.
Max Trader was very helpful with communicating our options and kept us well informed during the process.
walter A.
walter A.
Max is very knowledgeable and professional. He took care of my loan in a very effective way. I highly recommend him. Thank you Max!
Christopher C.
Christopher C.
Max did a great job on our Refi and was able to deliver even more than he had promised.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Veronica E
Veronica E
We put Max to the test with a quick close. He kept us in our toes and kept things moving along. Great personality and a pleasure to work with.
Darla M.
Darla M.
Charissa has been supportive and very helpful on multiple occasions. She would and will always be our go to person, when any type of mortgage service is needed. She demonstrates professionalism at its best. Charissa has always been there for us.
Dan M.
Dan M.
Great people to partner with. Highly recommend!
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.
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