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

Tambi L.
Tambi L.
Scott has assisted myself with my refinancing…he is very easy to work with. Quick easy and to the point. Highly recommend using him for purchasing or refinancing your home!
Adam T.
Adam T.
Colin went above and beyond to help us finance our first home. He's very knowledgeable and was always willing to help whenever we had questions.
Del C.
Del C.
I did a refinance and David and team were absolutely perfect! They got things done and very good about answering any questions that I had throughout the process. They was right there with me every step of the way. You can trust them completely! I will use them with any of the services that they provide if I am in need. I can’t say enough about how trustworthy, friendly and comfortable they are to work with. I would very highly recommend!!!
shirley G.
shirley G.
The people you have me to work with were and still the best in the business. Thank you for a great job done!
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!
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
David S.
David S.
I reached out to David for my refinance because he was my loan officer on my original purchase a year ago. He did a great job then and I had no reason to believe he would do any different for me even though he was with another company. As expected, he did a great job for us this time as well. We ran into a few snags along the way, but these were issues that were out of his control. He and his team were very good to work with and they stayed in constant contact with us throughout the process. I would highly recommend David and his team to anyone needing to purchase or refinance their home.
Ethan
Ethan
Colin at Lend Smart helped my wife and I understand every little step in the confusing and complicated process of buying our first house. I would send anyone I knew to Colin if they were looking for the best loan officer around.
Corey S.
Corey S.
We refinanced and purchased with Tim and team. I would recommend them 100%
Laura S.
Laura S.
James and the Lend Smart team were amazing!! The entire refinancing process was quick and easy. James was always available to answer my questions, providing me with a great new rate. I highly recommend James Summers and the Lend Smart Mortgage team.
Carmen F.
Carmen F.
Eugenia did amazing work. This wasn’t an easy contract to get to close. In time to get my kids enrolled in school at that’s. But she did everything in her power to help make sure it happened and I couldn’t be more grateful! I’ve never seen my family so happy.
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!
Jim C.
Jim C.
Dave and his team are very professional and great to work with. He has helped my family several times over now securing mortgages for us. I don't see that changing any time soon! Thanks Dave!
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!!
Kayla O.
Kayla O.
We had a really good experience working with Colin. It is clear he is very knowledgeable and good at what he does. Colin took the time to really educate me every step of the process and that is not something I have experienced before with other lenders. Hands down would work with Colin again in the future!
Marie G.
Marie G.
Lend Smart and their team were very easy to work with. They were always very quick to respond to any questions or concerns we had. This was our first time building a home. Lend Smart was helpful, encouraging and attentive to our needs. I highly recommend the Lend Smart team!
Aric M.
Aric M.
Dave and his team have gone above and beyond to make sure our mortgage was financed. Even working over a weekend to make sure we wouldn’t lose the time line when some issues came up. Communication was thorough and everyone so helpful. It’s nice to have a local person who cares and is willing to do what is in your best interest instead of a large bank who looks at you as number and a bottom line. Dave and his team will take care of you from the start to finish as if you were their top priority. Excellent customer service, and we can’t recommend them enough.
Andrew B.
Andrew B.
Dan Murray is a kind and patient mortgage officer and will work tirelessly to ensure you are set up for success.
Erica P.
Erica P.
Great experience working with Tonius and his team. Tonius was very knowledgeable, informative and very responsive. I would definitely recommend Tonius and Lend Smart 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.
Torrey J.
Torrey J.
I worked with Dave, Jeremy, and Natalie at lend smart recently on a cash out refi. I explained to Dave the situa and he immediately had great advice. The refi took longer than expected to complete due to Wells Fargo messing something up. Resolution at Wells Fargo took us to the WF Executive resolution team. Dave and team were great working with WF on my behalf to get the issue resolved, sitting on hold, escalating, and helping push WF for expedient resolution so we could proceed with the refi! All through the process the team had great communication, and was extremely efficient (when not waiting on WF)! I would definitely suggest working with this group of people any mortgage or refi!
Espie D.
Espie D.
Suzi & her team were amazing. They were extremely helpful from day one to closing of escrow. They really care about us. Highly recommended!
Brandon R.
Brandon R.
I have used David Butcher for my last several loans and will never use anyone else! He always focuses on what is best for his clients and takes the time to explain all of your options. Lastly, his integrity is second to none and you can always count on him to do what is needed to get you the best possible loan!
Sam O.
Sam O.
We have trusted Colin and the entire team at Lendsmart with the biggest financial decisions of our lives for the last 8 years. They have consistently earned our trust, and exceeded our expectations. We are incredibly grateful, and will continue to trust them with our mortgages for a long, long, long time.
Edward Z.
Edward Z.
I had a very good relationship with Susan and her team. I was will informed and didn't have any problem reaching out for information. The whole transaction was completed with me working out of state. I was able to sign forms on line and Susan even lined up a notary to bring papers to me for live signatures while I was on vacation. I highly recommend Susan and her crew to anyone looking to purchase property.
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Kari H.
Kari H.
Dan and everyone else involved were all amazing. Dan was there to walk me through each step and answer all the questions I had. Being a first time home buy was a little scary since I didn’t have much knowledge on the process or the different aspects of a loan. I came out of this all with much more understanding and I couldn’t have done it without Dan!
Georgine N.
Georgine N.
Everything went just as we had hoped it would and now we are in our new home
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.
Cindy M.
Cindy M.
Reliable, Professional and very efficient services. Refinancing a home is very time consuming and tedious but the staff at Lend Smart Mortgage, LLC made the whole process run so smoothly. They really do hold you by the hand every step of the way. A special thanks to Brenda Figueroa for being most supportive and helpful!
Steve V.
Steve V.
Dave and Natalie are amazing to work with! They got me out of terrible divorce situation and into a new house where I could truly recover and process what had happened. LendSmart is so much more than just mortgage lenders. Thank you!
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!
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.
Marco G.
Marco G.
No hassle!!!... Great and very, very to get a loan!!!... I highly recommend it!!!
Dan B.
Dan B.
Efficient and great communicators!
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]
Daryl W.
Daryl W.
I've been working with Jim Summers for a few years now. Originally I was looking in to home loans. So many people called me, trying to push their home loans on to me. Jim called me one day and thought, "here we go again". Jim simply asked me what I was looking for in a home loan. Then he did something the others didn't do, he listened. After I told him what I was looking for, instead of saying no you can't do that, he said he wasn't sure, let me look in to. He got back to me a day later with all the info I needed. That time and attention was exactly what I looking for. We then worked together on my home loan and soon after I bought my first house. Since then Jim has helped me refinance for better deals twice. It really is like working with a friend. Great job Jim, I can't wait until our next home buying adventure!
Dustin K.
Dustin K.
Colin Cherry, and his team, at Lendsmart did an excellent job helping me with my home refinance. They were responsive and informative. Thanks again for your great work here.
Chad U.
Chad U.
Jim Summers is my Mortgage/Refi go to guy! We've been through a few of these now and he makes the process so easy. Highly recommend!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
O.j. S.
O.j. S.
It was almost 2 years of trying to find a Mortgage Company that held up their end of what they promised they’d do. One after another they left me disappointed with their false claims. One day I decided to call Lend Smart Mortgage and had the pleasure of meeting Miss Samantha Wang. She’s now my adopted cousin, and that had nothing to do with the way she held up her end of everything she said she could do with my refinance journey. She’s a genuine person in every sense of the word. I’m a better person today from knowing her, and my faith in mortgage companies have been rejuvenated. Thank you cousin for being such a blessing to so many people, including me…
Dorothy L.
Dorothy L.
They helped me achieve a life dream I thought was impossible for me.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Mark N.
Mark N.
David provided Above and Beyond service, I have already recommended David to friends and family
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
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!
April C.
April C.
Lend Smart is teamed with some AWESOME individuals that will fight with you till the end to fulfill your homeowner dreams. Our process was difficult at times, but our broker pulled us through to the end. Thanks to Mallory, we now own our beautiful home! I would definitely recommend Lend Smart to anyone looking to take the next step of home ownership.
Eric L.
Eric L.
Dave Cathrae is your go-to lender. He and his team make the home buying experience seem like a walk in the park. You will not be disappointed…
Aaron W.
Aaron W.
My experience with mortgages and lending have completely changed. If you're not bragging about your previous experience get in touch with John Heinemeyer.There are amateurs and professionals in every industry. John and Lend Smart Mortgage, LLC are the professionals.From my family, thank you for the experience,Aaron
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.
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.
Justin R.
Justin R.
Tim and his team worked with us in purchasing our first home.. From the start of the process to the finish they were quick to answer anything that we needed. they always answered the phone or got back to us quickly. They were vary clear in what we were to expect. We would recommend them to anyone buying a home.
Sam C.
Sam C.
Everything from beginning to end was seamless and simple. John was great and kept us fully informed throughout the process. Literally the best home buying experience I've ever had. I fully recommend Lend Smart.
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. .
joel V.
joel V.
John was amazing! From beginning to end he was on top of everything that we needed to buy our home and without him I truly believe that the dream home we ended up buying wouldn’t have been possible without him! You can tell John loves his job and loves helping families find a way to own their home! Thanks John!
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!
Daniele Hamrick R.
Daniele Hamrick R.
Mallory is a miracle worker and is able to get people approved that others can not do! She goes above and beyond to make it happen and communicates on every level! Would highly recommend!
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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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