Our Lenders

Tim Smith at American Heritage National Bank

Phone: 320-980-0944  Fax: 320-257-5072


American Heritage Bank– The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30,000 square feet each. At our West side branch, the mezzanine level has been officially dedicated as an American Heritage Museum and the lower level hosts a 500 seat Conference Centre for local area charities and non-profit organizational meetings. At our East side branch, the Highway 10 site proudly presents the 25 foot granite Waterfall Memorial dedicated in honour to our American service men and women.

American Heritage Bank strongly supports the local communities in Central Minnesota and promotes the economic prosperity of its Main Street businesses. The Log Banks represent our long-standing commitment to you in providing the highest quality of personal banking and business services for achieving your financial goals. Come discover the experience of our relationship banking tradition!


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John Michaud at Bremer Bank

Phone: 320-492-8923  Fax: 320-255-7149


Bremer Financial Corporation is a privately held regional financial services company jointly owned by the Otto Bremer Trust and Bremer employees. Founded in 1943 by Otto Bremer, the company provides a comprehensive range of mortgage, banking, investment, trust and insurance products and services throughout Minnesota, North Dakota and Wisconsin. When you put your trust in Bremer, you experience an unparalleled level of service, commitments you can count on and a partner who understands your needs and the needs of your community.

As one of Bremer’s Top Mortgage Producers, John Michaud brings more than 15 years of experience covering every lending product Bremer has to offer; from FHA/VA, conventional, jumbo, first time homebuyer to construction lending. As a lifelong St. Cloud area resident, John’s reputation for clear communications, smooth closings and quick problem resolution is well known among his many repeat clients and business partners in the community. Consider Bremer as your trusted mortgage partner, contact John Michaud today.


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Kristi Hawker at PrimeLending

Phone: 320-223-2913  Fax: 866-908-1296


PrimeLending and Premier Real Estate are not affiliated. me Loans Made Simple At PrimeLending, we are Home Loans Made Simple. For nearly three decades, we have helped people buy, refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. Equal Housing Lender primelending.com/legal
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Todd Mrazek at Supreme Lending

Phone: 763-245-1511  Fax:



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Location & Address

Dave Olson
550 25th Avenue North
St. Cloud, MN
320-266-0031


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