We Answer Because We Care
Upstream Mortgage is a boutique brokerage in Maple Grove, MN. For over 30 years, we've served Twin Cities Realtors and homebuyers who deserve a lender that shows up — on weekends, in the evenings, and every time the deal is on the line.
What Drives Us
These aren't slogans. They're the behaviors that earned us 30 years of referrals.
1. We Answer
Weekdays 8am–10pm, weekends 8am–8pm. Real people, every call. No bots, no offshore call center, no chat boxes.
2. We Move Fast
Most pre-qualifications complete in under an hour during service hours. We know deadlines don't wait for Monday morning.
3. We Know This Market
Twin Cities taxes, insurance norms, competitive offer dynamics — our team lives and works here, shops, & skates here.
4. We Pass The Savings On
Wholesale rates, no retail markup, no corporate waste. We've never believed borrowers should pay for overhead they'll never see.
Deals Done Easier
Meet Our Loan Officers
Ryan
Yardley
CEO
NMLS# 1114522
Bryan
Crepeau
Loan Officer
NMLS# 332194
Melissa
Nelson
Loan Officer
NMLS# 452479
Kip
Kemper
Loan Officer
NMLS# 333191
The Team Empowering Your Loan Officer
Tuan-Minh (Tu) Le
NMLS# 1545398
With over 15 years as a mortgage processer, I understand that securing a Borrowers Dreams Of Homeownership. My Commitment Is To Make This Journey As Smooth And Stress-Free As Possible. With Years Of Industry Expertise, I Have Honed Skills To Provide the borrower With A Streamlined And Efficient Process, Prioritizing effective communication, I engage directly with loan officers, lenders, and borrowers to ensure an exceptional customer experience and facilitate seamless loan closings. From Purchases to Refinancing, I have done loans for VA, FHA, Conventional, DSCR. I am Currently Licensed In Minnesota and Florida.
Kyrsten Fleck
NMLS# 2874835
As our loan processor and assistant, Kyrsten brings a calm, friendly presence to the mortgage journey. She works closely with clients, agents, and lenders to keep everything on track behind the scenes — from gathering documents to preparing files for underwriting. She loves helping families feel confident and informed as they move toward homeownership.
Michele Hartse
With 15 years of experience in the mortgage industry, Michelle Hartse is dedicated to making the homebuying process smooth, stress-free, and even enjoyable. Known for her warm, approachable style, she takes the time to understand each client’s needs and guides them every step of the way, ensuring they feel confident and supported from application to closing.