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

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!
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
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]
Joshua H.
Joshua H.
My wife and I bought our first house with Phil. He has always answered any question we have had about financing. When my wife and I decided we wanted to look into refinancing, we went to Phil and he did an amazing job of walking us through everything and helped us get what we wanted in rate and payment. I recommend Phil to all my friends and family. I would never go anywhere else for my lending needs! Thanks again Phil!
Tommy R.
Tommy R.
Great service
Chris N.
Chris N.
A BIG thank you to Colin Cherry for taking the time to help us refinance our home. We were very happy with how quickly and smoothly he got everything done. We will definitely be sharing his info with people who are looking to refinance their home.
Dan M.
Dan M.
Great people to partner with. 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!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Rob C.
Rob C.
Great to work for--very helpful and supportive
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.
Casey T
Casey T
Colin Cherry is great to work with. Closed fast and is extremely professional in every aspect of his business. This is the lender you have been looking for!
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!
Paul K.
Paul K.
During this past year we have tried to refinance our house and two rental properties two instances prior to working with Bill Trader. In both prior cases the loan officer or company was either fraudulent or incompetent. I have experienced neither with Bill. He is always up front with the process, promptly responds, and gently encourages us with our own action items. When interest rates began rising, Bill suggested we lock in quickly, which we did. Fortunately now that we have closed two loans and near the end of another, our loan interest rate is much lower than if we had waited to lock. Bill understands this business and works hard to close quickly with minimal cost and worry to those of us seeking these new lower rate loans. Thanks Bill!
Debra M.
Debra M.
Great 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!!
Matt S.
Matt S.
Troy and his staff were very helpful and made our lending experience easy and comfortable. My wife and i will highly recommend him to everyone.
Scott S.
Scott S.
We started our process electronically after contacting Lendsmart on December 29. The process went smoothly and we closed on January 19th. Max Trader kept us informaed every step of the way and was very professional. Our final outcome was a refinance of our current loan and cash out from the equity. Our loan rate was very good and the closing costs were exceptionally low compared to our other mortgage transactions.
Brandon H.
Brandon H.
My wife and I recently refinanced our home with the help of Alesha. Throughout the entire process Alesha kept us informed on what was needed from us and answered any questions that we may have. Alesha checked in often and worked to ensure that we were able to save the most money that we could. I wasn't sure what to expect when we started the refinance process but this was very stress free. For anyone looking to refinance or purchase a home, I highly recommend reaching out to Alesha.
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!
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.
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.
Joe B.
Joe B.
Great guys!!! if you need a home loan they will pull out a miracle for you ask for Tonius Frank and you will be helped with dedication and respect.
Lacey U.
Lacey U.
Melissa makes things so streamlined and simple. The refinance was a breeze and went without a hitch. Thank you Melissa for your professionalism and the confidence we can have working with you!
artur R.
artur R.
First I want to say THANK you MELLORY FOTIADES for being a great person and agent of LEND SMART MORTGAGE,LLC. Nowdays in the area where I was lookoing for housing, the prices are skyrocking, tryed 4 mortgage companies, and only LEND SMART pre approved us for the price of the house of my dreams!!! The process went nice and smooth, still can not belive it!!! Mellory was always there for our needs!!!! God bless you and the whole team that made my dream come true!!! Thanks again!!!LEND SMART ROCKS!!!
Dan B.
Dan B.
Efficient and great communicators!
Lue Y.
Lue Y.
I have great experience with Lend Smart Mortgage. I worked with Colin Cherry two times now and he had helped me through it all. They are extremely knowledge at finding the best way to help you purchase a home and refinance. Reach out to them if you need home consultation.
Stuart R.
Stuart R.
Colin at Lend Smart was great to work with! He made sure he understood our selling and buying circumstances, and he worked hard to put together an excellent financing package for us. We would not hesitate to do business with him and Lend Smart again.
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.
Nona N.
Nona N.
I’m grateful that I was referred to Mike. His expertise with VA Home loans really made a difference with my particular situation. VA home loans can be tricky and intricate and it’s imperative when using your va home loan benefit that the lender be knowledgeable and knows what they are doing. Well, I assure you Mike knows what he’s doing.I recommend Mike to veterans and their family members for their va home loan needs. I will be recommending Mike to all veterans to assist them with their va home loan benefits. I know they will be taken care of.Thanks Mike!!!
Olga C.
Olga C.
It was a pleasure to work with Mallory! VeryNice, pleasant, helpful person. I can’t thank her enough for all her help.
James E.
James E.
I was checking mortgage companies on line and as a result I was bombarded by calls from everywhere. One time I answered the phone and it was David Strom from Lend Smart Mortgage. Dave is not your typical high volume sales rep and I felt like he was actually trying to help me. He got me going with my refi and made sure I knew he was going to keep close watch on my mortgage application and process. His company has a series of on-line videos that he directs you to during the process and I always felt he was on top of things. My new mortgage closed within a month. His supporting staff Amy and Lola were great too.
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!
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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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