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About Joe Metzler, Senior Loan Officer - and the Metzler Team at Mortgages Unlimited
With 20+ years experience, and highly awarded, Joe truly is a Mortgage Professional

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Joe Metzler, MLO, MMS
Joe Metzler, Loan Office.

Multimillion Dollar
Loan Originator
NMLS # 274132

Joe Metzler is a nationally known mortgage expert, with over 20-years lending experience, he has personally closed over 2,500 mortgage transactions totaling near $1 Billion in production. Locally, Joe has been named the Minnesota Mortgage Associations coveted State of Minnesota 2014 Loan Officer of the Year, and has been recognized nationally will multiple year awards as a Top 300 in the nation Loan Officer. He has written many articles on mortgage loans for numerous industry publications and web sites including Joe has also taught classes for Loan Officers, Realtors, and first time home buyers.  Joe has appeared on multiple radio stations, TV stations, and articles as the mortgage expert. With each customer's desires and goals his top priority, Joe Metzler is ready to assist with all your financing needs!

Did you know around 80% of Loan Officers are not licensed? Yikes. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!

When you finance through the Metzler Team at Mortgages Unlimited, there are no surprises at closing because we provide you with prequalification advice, ongoing assistance and follow-up support. Working together, real estate agents, builders, title companies, appraisers and homebuyers, the Metzler Team has developed a solid reputation for dependability, honesty and consistently successful performance. You can trust that this expertise will result in a smooth and stress-free experience for you too.

Joe is also a MMS (Minnesota Mortgage Specialist). What is the Minnesota Mortgage Specialist (MMS) designation?

Currently less than 100 people in Minnesota have completed the requirements to earn their MMS designation! The Minnesota Mortgage Specialist designation is the title given by the Minnesota Association of Mortgage Brokers, Inc. (MAMB) to Minnesota mortgage professionals who choose to distinguish themselves as experienced, well-educated, ethical operators by successfully completing educational and professional requirements set forth by MAMB. As well as annually participating in continuing education pertaining to industry law and ethics. To achieve this designation, an MMS must have at least two years experience in the industry, attend the Minnesota Mortgage Lending School, take Mortgage Law and Ethics classes, and successfully pass the MMS test. To retain their designation, an MMS must maintain at least 6 hours of continuing education per year. Joe is a lifelong resident of the Twin Cities area, and a 1998 Graduate of the Residential Mortgage Lending School, something very few Minnesota Loan Officers can claim. This was also well before the 2010 mandatory licensing rules. These classes and designations were all voluntary, and Joe took the extra time and effort to be the best in the business.

With dozens of competing lenders and mortgage programs to choose from in an industry that depends on quality and service, he can't afford to make mistakes and still continue to be strong and effective. His single most distinguishing feature is the consistent level of professionalism and thorough service given to his clients, builders, real estate agents, and investors.

Having helped Realtors and Builders successfully close many transactions, knowledgeable and dedicated, Joe believes in doing the job right the first time. He has an answer for even the most complicated situation. He firmly believes in people, community, and home ownership. Joe and his team are committed to providing outstanding service... Service you can depend on! Whether you are buying your first home or your dream home, refinancing, or a debt consolidations loan, call Joe today for all of your mortgage financing needs.

Once you meet Joe, it's easy to see why he is a successful, and highly rated mortgage expert. His track record is exceptional by any standard. Personally, Joe is just as impressive: confident, organized, friendly and helpful. He exudes a professional and personal style that is hard to resist.

Joe Metzler
Lender411 Top Lender in MN
Lender in MN
Joseph Metzler on Zillow


  • 2018 - Top 300 Loan Officer in the nation (National Mortgage News)

  • 2018 - Super Mortgage Professional (Twin Cities Business Magazine)

  • 2016 - Top 300 Loan Officer in the Nation (National Mortgage News)

  • 2015 - Top 100 Loan Officer in the Nation (National Mortgage News)

  • 2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)

  • 2011 - 40 Most Influential Mortgage Professionals to Watch (NMPM)

  • 2010 - Top 150 Loan Officer in the Nation based on Dollar Volume (Origination News)

 Top Loan Officer Minnesota 2018 Top Loan Officer 2016Top Loan Officer 2015Top Loan Officer 2010

2014 Minnesota Loan Officer of the Year Top Mortgage Professionals

Joe is also highly regarded in the mortgage industry, having been interviewed and quoted on TV, radio, and print press. Here are a couple of recent quotes from major publications:

Read Joe Metzler quoted at
See Joe Metzler quoted by Reuters News Agency




Google the Loan Officer you are thinking of working with! Do you get any hits? What are they? Does the Loan Officer appear to be highly respected and quoted with lots of links? Then you are probably working with a professional. Can't find anything, or maybe just a listing on the company web site? That probably wouldn't be who I would pick to handle my largest financial transaction.

Our Commitment to YOU as Professional Mortgage Lenders - View our 5 Star Promise

  • We will return phone calls promptly.

  • We will keep all parties informed, every step of the way.

  • We will endeavor to resolving problems quickly.

  • We will following through on each transaction right through to moving day.

  • We will endeavor to act in the best interests of the customer at all times.

  • We will establish a price for services upfront, in writing, based on information provided by the customer (a Good Faith Estimate), so that there are no surprises.

*The price or prices will cover all the services provided by us.

*On third party services, such as an appraisal, ordered by us, but paid for by the customer, I will provide the invoice from the third party service provider at the customer’s request.  Alternatively, I may have the payment made directly by the customer to the third party service provider (example: you pay the appraiser when he is at your home).

  • We will endeavor to make my Good Faith Estimate as accurate as possible (unlike the "sunshine lenders", who quote rates & closing costs which are unrealistic, in order to get your business - then surprise you later).

  • We will use my best efforts to determine the loan type, features, and lender services that best meet the customer's needs, and to find the best wholesale price for that loan.

  • When directed by the customer, We will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock.

  • If a customer elects to float the rate/points, we will provide the customer the best rate available to that customer on the day the loan is finally locked.



As a 20+ year experienced Licensed Mortgage Professional, Joe Metzler and his team are frequently called upon to offer their insights on mortgage news, interest rates, and other topics related to the way people buy, sell, finance, and mortgage their homes.

Known for his straightforward, consumer-friendly advice and the ability to demystify even the most complex topics, Joe has made recent media appearances on many radio shows, local TV, and has been quoted and interviewed by Fox9, Reuters,  Kiplingers, MSNBC, and, amongst others.

If you are a member of the media and would like to interview Joe, please contact him directly by calling (651) 552-3681, visiting, or by E-Mail to

Read Joe Metzler quoted at
See what Joe Metzler has to say about current mortgage interest rates on
See Joe Metzler quoted by Reuters News Agency


  Equal Housing Lender

Policies, Procedures, Disclaimers

33 Wentworth Ave E - Suite 290
St Paul, MN 55118

(651) 552-3681  

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Our services available only for properties located in Minnesota, Wisconsin, and South Dakota. Licensed as Mortgages Unlimited, Inc. NMLS # 225504. Joe Metzler NMLS # 274132. As a Lenders One partner, we are part of the 3rd Largest Retail Mortgage Originators in the country. We are consistently ranked as one of the top mortgage lenders in Minnesota by Minneapolis St Paul Business Journal. Any use or duplication of any materials is strictly prohibited.  All images, text, and materials Copyright 1998 - 2019 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.