Apple Valley, MN

Let’s talk! Contact me now

Let’s talk! Contact me now


NMLS ID#452537
Phone: 612-760-4199

Apple Valley Branch
15322 Galaxie Avenue, Suite 203
Apple Valley, MN 55124

Kristi Piatz

Senior Loan Officer

Kristi has been serving our community since 2002. She has helped thousands of clients purchase and refinance their first, second and third homes as well as investment properties and vacation homes.   She takes pride in her attention to detail and her impeccable reputation.   Whether you are a first time homebuyer or seasoned homeowner, purchasing a home is one of the largest and most important financial transactions that you will make in your lifetime.  Kristi will guide you through this process every step of the way and patiently educate you to make an informed decision. 

Kristi’s goal is to provide you with outstanding customer service so you will feel comfortable referring friends and family.   She truly appreciates the opportunity to earn your business and is sincerely committed to providing you with an exceptional and pleasant mortgage experience.  

Awarded by Minneapolis St. Paul Magazine and Twin Cities Business

Voted Super Mortgage Professional 2010, 2011, 2012, 2013, 2014 and 2015.


“Kristi was AWESOME! Helped with every step of the process, pretty much 24-7. She made the whole process seem easy, when I know it really isn't. I would recommend Kristi to anyone looking to purchase a home.”

Eric P.

“I've worked through Kristi before so when it was time to re-fi I reached out. After comparing to 2 others she won our business - again! She is outstanding when it comes to communication and follow through. She also surrounds herself with great people who give the same support all through the re-fi process. I strongly recommend working with her.”

Scott D.

“ Kristi was immensely helpful, responsive, and overall fun to work with throughout the entire process of buying our first home. Whether it was responding to our many questions by email or phone, or meeting in person at closing, Kristi was always super enthusiastic and made us feel comfortable navigating such a major event. And of course there's the free moving truck we were able to borrow as clients of Kristi's, which saved us a lot of money and hassle in our move. Overall great experience!”

John G.

“I had some unique requirements for my mortgage besides a quick close. Kristi was able to accommodate all special requests and keep the closing on track, plus educate me through the whole process. I would recommend Kristi if you have a typical or special mortgage. She can handle them both and anything in between. ”

Scott G.

“Working with Kristi was truly a wonderful experience. My wife and I recently purchased a new home; before the purchase, we were dreading the mortgage process. It should be noted that I am self-employed which also presents additional obstacles. Kristi and her team (specifically, Stefanie) were awesome to work with. They were resilient and steadfast in their efforts. I received daily communication and updates; I always felt that my interests were their number one concern. Transparency and clarity can be tough to find, but not with this team. I highly recommend Kristi to anyone looking to make a home purchase.”

Sam T.

“I'm so happy with my home and all the work you put in for over a year to help me find the perfect one! You're truly the best and I cannot wait to have someone looking that I can refer to you!”

Tanya L.

“Kristi Piatz is an absolutely amazing loan officer and I do not exaggerate when I say I recommend her to all of my friends who are looking to buy homes. She is smart, knowledgeable, personable, cheerful, kind, honest, always willing to help, and is reachable—one of the traits you most want in a loan officer. I met Kristi back in 2005 when I was first considering buying a house. Although I decided not to buy then, Kristi so impressed me with her knowledge, willingness to guide and teach, and her helpful, joyful demeanor that I kept her contact information. In 2014, when my husband and I decided it was time to buy our first home, I reconnected with Kristi. I'm so glad I saved her number all those years! She moved mountains to make it possible for my husband and I to buy the duplex we fell in love with in Saint Paul. She encouraged us to strengthen our offer to the sellers by promising them we could close within two weeks—and she delivered! Not only were we able to close in such a short amount of time, but Kristi was a godsend in so many other ways, as well, helping us navigate a frustrating situation with a sellers agent who didn't get back to us promptly, and she was always available to answer our questions, even on the weekends, late at night, or early in the morning. Kristi's accessibility, promptness in communicating, and happiness to help us on every step of the journey made the home buying experience such a delight that my husband and I ended up buying another home in 2015! We are so grateful to Kristi for all she's done to help us on our home-buying journey. We definitely plan to keep in touch and keep referring friends and family her way! ”

Stephanie H.

“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promise. They actually exceeded our expectations. THANKS, BAY EQUITY!”

Melissa L.