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

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!
MK Y.
MK Y.
Dan was a wonderful partner throughout our home buying process. He provided valuable advice and guidance and worked seamlessly with our real estate professional. Dan made the entire experience stress-free and was a pleasure to work with.
tenisha N.
tenisha N.
Our pleasure to work with you! ❤️
Rob C.
Rob C.
Great to work for--very helpful and supportive
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.
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.
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]
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!
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.
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.
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
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!!
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
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!!
Sury R.
Sury R.
We had a complex loan approval and Buffy patiently worked with us and the underwriters to get us the approval on time !
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.
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.
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.
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!
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.
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.
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.
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!
Kathy C.
Kathy C.
Working with Noe made purchasing a home smooth as possible. I had countless questions and he answered each and every question with as much detail and in a easy way to understand.
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!
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!!
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!
Sheri P.
Sheri P.
Charissa Myers, was amazing, going above and beyond for me. Listening and hearing my concerns and answering my questions, honestly. I highly recommend, Charissa Myers!
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.
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. .
Jeffrey J.
Jeffrey J.
Bobby was amazing to work with every step of the loan process. He was always there to answer my questions, even on the weekends! Bobby made the loan process very easy for us, and helped us get to where we needed to be. He was extremely helpful and we were lucky to have worked with him. We will definitely refer him to our friends and family!!
Dan B.
Dan B.
Efficient and great communicators!
Aaron W.
Aaron W.
Dave is knowledgeable and communicates very well. I will use him again. Thanks Dave.
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!
Eva G.
Eva G.
Flawless process from start to finish. Great interest rate and knowledgeable team.
Audra S.
Audra S.
I want to thank Tonius and his team for being prompt and very professional. No question was dumb, and they explained the full process from beginning to end and made my dream a reality. The overall process took three weeks, and my overall experience was excellent.
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.
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!
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!
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.
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Danielle T.
Danielle T.
Bobby was very attentive and answered all of my questions. He walked me through each step and everything went smooth. I definitely recommend Lend Smart and Bobby! Thank you for your help!
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.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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!
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!
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
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.
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!
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!
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.
Thomas A.
Thomas A.
Dan has always been up front, clear, and very helpful through the financing process. Even through the inevitable complications and hurdles that come, Dan is always there to present a clear path forward. During our most recent time working with Dan he was able to quickly react and help us during a refinance as we were attempting to work with our current mortgage servicer to do the same. Our mortgage servicer was less than helpful and not very responsive. We decided to contact Dan instead and he was able to put our refinance in process before our servicer ever got around to replying to a simple question we had asked. Simply stated: If you want to get things done right and in a timely manner, get in touch with Dan and you will not be disappointed.
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!
Angelica H.
Angelica H.
Thanks Maxwell and Lend smart team, highly recommended 👍🏽
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