Mortgage lenders in Ramsey County
9,342 mortgages were made in Ramsey County, Minnesota, in 2025, by 436 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 11,801 decisions, 1,961 were denials — 16.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 642 | 6.625% | $265,000 | 4.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 495 | 6.375% | $285,000 | 13.0% |
| Blaze Credit Union | 416 | 6.375% | $105,000 | 14.8% |
| U.S. Bank National Association | 401 | 8.000% | $145,000 | 36.6% |
| TRUSTONE FINANCIAL CREDIT UNION | 392 | 7.210% | $105,000 | 22.6% |
| Rocket Mortgage, LLC | 383 | 6.625% | $225,000 | 17.5% |
| AFFINITY PLUS | 374 | 6.500% | $65,000 | 14.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 303 | 6.625% | $295,000 | 3.2% |
| Royal Credit Union | 298 | 6.625% | $205,000 | 14.2% |
| Fairway Independent Mortgage Corporation | 217 | 6.688% | $275,000 | 3.1% |
| Prosperity Home Mortgage, LLC | 194 | 6.625% | $315,000 | 4.0% |
| The Huntington National Bank | 174 | 6.990% | $145,000 | 34.3% |
| Alerus Financial, National Association | 174 | 6.750% | $285,000 | 2.2% |
| IDEAL Credit Union | 152 | 5.125% | $85,000 | 22.5% |
| Wings Financial Credit Union | 150 | 7.250% | $115,000 | 24.3% |
| Broker Solutions, Inc. | 145 | 6.625% | $255,000 | 7.0% |
| Old National Bank | 136 | 6.250% | $225,000 | 16.3% |
| Wells Fargo Bank, National Association | 135 | 6.375% | $245,000 | 19.5% |
| PENNYMAC LOAN SERVICES, LLC | 128 | 6.250% | $325,000 | 12.0% |
| Luminate Bank | 127 | 6.625% | $285,000 | 2.3% |
| GUARANTEED RATE, INC. | 123 | 6.575% | $265,000 | 9.1% |
| Granite Bank | 118 | 6.500% | $275,000 | 1.7% |
| MOVEMENT MORTGAGE, LLC | 109 | 6.750% | $255,000 | 4.1% |
| CMG MORTGAGE, INC. | 103 | 6.750% | $255,000 | 5.9% |
| GUILD MORTGAGE COMPANY | 97 | 6.875% | $285,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 94 | 6.875% | $245,000 | 1.0% |
| Loandepot.Com, LLC | 88 | 6.750% | $215,000 | 19.8% |
| SWBC MORTGAGE CORPORATION | 87 | 6.500% | $255,000 | 4.2% |
| GUARANTEED RATE AFFINITY, LLC | 82 | 6.625% | $295,000 | 3.5% |
| NEWREZ LLC | 75 | 6.625% | $265,000 | 21.2% |
| JPMorgan Chase Bank, National Association | 68 | 6.375% | $295,000 | 20.7% |
| Mortgage Research Center, LLC | 67 | 6.250% | $295,000 | 24.2% |
| Associated Bank, National Association | 61 | 6.500% | $205,000 | 32.3% |
| Bank of America, National Association | 53 | 6.125% | $255,000 | 43.2% |
| Sunrise Banks, National Association | 53 | Not published | $225,000 | 8.5% |
| Tradition Mortgage, LLC | 52 | 6.624% | $270,000 | 1.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 51 | 6.625% | $275,000 | 13.1% |
| Summit Mortgage Corporation | 51 | 6.625% | $295,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 50 | 6.250% | $275,000 | 9.1% |
| TOPLINE FINANCIAL CREDIT UNION | 48 | 5.990% | $170,000 | 13.1% |
| Deerwood Bank | 45 | 7.250% | $105,000 | 4.3% |
| Navy Federal Credit Union | 43 | 7.000% | $235,000 | 24.6% |
| Kiavi Funding, Inc. | 43 | 10.450% | $205,000 | 2.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 43 | 6.490% | $325,000 | 4.4% |
| NATIONSTAR MORTGAGE LLC | 42 | 8.438% | $90,000 | 20.4% |
| Paramount Residential Mortgage Group, Inc. | 42 | 6.625% | $255,000 | 2.3% |
| FIGURE LENDING LLC | 39 | 8.775% | $45,000 | 20.3% |
| MEGASTAR FINANCIAL CORP. | 38 | 6.625% | $320,000 | 0.0% |
| Baxter Credit Union | 35 | 6.750% | $225,000 | 10.9% |
| LOWER, LLC | 35 | 6.500% | $295,000 | 2.8% |
| Highland Bank | 35 | Not published | $105,000 | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 35 | 6.750% | $255,000 | 7.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 35 | 6.875% | $275,000 | 0.0% |
| CITY-COUNTY CREDIT UNION | 34 | 7.540% | $70,000 | 35.9% |
| ZILLOW HOME LOANS, LLC | 34 | 6.625% | $265,000 | 10.3% |
| PLAZA HOME MORTGAGE, INC. | 33 | 6.375% | $285,000 | 25.0% |
| Bridgewater Bank | 32 | Not published | $205,000 | 5.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 32 | 6.625% | $270,000 | 2.9% |
| RESICENTRAL, LLC | 30 | 6.625% | $310,000 | 5.7% |
| UNION HOME MORTGAGE CORP. | 30 | 6.625% | $325,000 | 11.8% |
| BMO Bank National Association | 28 | 8.950% | $105,000 | 42.0% |
| Plains Commerce Bank | 28 | 6.563% | $275,000 | 9.7% |
| Coulee Bank | 28 | 8.000% | $255,000 | 6.7% |
| Cambria Financial Group, LLC | 28 | 6.188% | $300,000 | 6.7% |
| Coastal Community Bank | 27 | 9.740% | $45,000 | 2.3% |
| KIND LENDING, LLC | 26 | 6.625% | $280,000 | 25.7% |
| LENNAR MORTGAGE, LLC | 25 | 6.250% | $315,000 | 7.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 6.750% | $315,000 | 3.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 24 | 8.020% | $105,000 | 14.3% |
| Servion, Inc. | 24 | 6.500% | $225,000 | 7.7% |
| Think Mutual Bank | 23 | 6.690% | $105,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 21 | 8.880% | $65,000 | 52.8% |
| PLANET HOME LENDING, LLC | 21 | 6.625% | $255,000 | 0.0% |
| Genisys Credit Union | 20 | 7.120% | $90,000 | 8.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | 9.875% | $215,000 | 0.0% |
| VERIDIAN CREDIT UNION | 19 | 6.490% | $115,000 | 17.4% |
| Lake Elmo Bank | 19 | Not published | $305,000 | 4.8% |
| St. Paul Federal Credit Union | 18 | Not published | $185,000 | 0.0% |
| THE LOAN STORE, INC. | 17 | 7.500% | $205,000 | 8.0% |
| BAY EQUITY LLC | 17 | 6.990% | $265,000 | 5.6% |
| USAA Federal Savings Bank | 16 | 6.188% | $320,000 | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.250% | $325,000 | 60.0% |
| Waterstone Mortgage Corporation | 15 | 6.750% | $265,000 | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 7.125% | $285,000 | 0.0% |
| Nations Lending Corporation | 15 | 6.500% | $255,000 | 5.9% |
| Security Bank & Trust Company | 15 | Not published | $215,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 5.935% | $375,000 | 5.9% |
| Luminate Home Loans, Inc. | 14 | 7.188% | $240,000 | 0.0% |
| PULTE MORTGAGE LLC | 14 | 6.438% | $470,000 | 6.7% |
| Security State Bank of Marine | 14 | Not published | $250,000 | 0.0% |
| PNC Bank, National Association | 13 | 6.875% | $85,000 | 27.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.375% | $385,000 | 13.3% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.750% | $255,000 | 0.0% |
| A&D Mortgage LLC | 13 | 6.375% | $355,000 | 7.1% |
| Barrington Bank & Trust Company, National Association | 13 | 6.125% | $325,000 | 13.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 13 | 6.125% | $235,000 | 0.0% |
| Ixonia Bank | 13 | 6.750% | $235,000 | 0.0% |
| SPRING EQ, LLC | 12 | 8.788% | $65,000 | 76.5% |
| Frandsen Bank & Trust | 12 | 6.375% | $265,000 | 14.3% |
| Associated Healthcare Credit Union | 12 | 6.625% | $55,000 | 14.3% |
| BankCherokee | 12 | Not published | $335,000 | 7.7% |
| First Resource Bank | 12 | Not published | $470,000 | 0.0% |
| First Bank & Trust | 11 | 6.625% | $295,000 | 26.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.250% | $285,000 | 0.0% |
| American National Bank | 11 | 7.450% | $165,000 | 15.4% |
| 21st Mortgage Corporation | 10 | 11.010% | $65,000 | 82.5% |
| MAGNIFI FINANCIAL CREDIT UNION | 10 | 5.813% | $215,000 | 20.0% |
| SIRVA MORTGAGE, INC. | 10 | 6.438% | $385,000 | 0.0% |
| Bremer Bank, National Association | 10 | 7.125% | $165,000 | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.813% | $295,000 | 0.0% |
| Community Resource Bank | 10 | Not published | $245,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 81.3% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Merchants Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GO MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Drake Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 79.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 54.6% |
| MidWestOne Bank | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| University of Wisconsin Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NOVATION CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 46.4% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Heartland Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First State Bank and Trust | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Citizens State Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| WESTCONSIN Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Expedition Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Farmers & Merchants Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Vermillion State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 21st Century Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The First National Bank of Moose Lake | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 4 | Under 10 loans | Under 10 loans | 84.6% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SHAREPOINT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Capital Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J9CE43FKIA7D19 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CCM Finance, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 76.9% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 236 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ramsey County
93 FDIC-insured branches from 33 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- American National Bank, 1740 Rice St, Saint Paul
- American National Bank, 2711 Highway 10 Ne, Mounds View
- American National Bank, 663 University Ave W, Saint Paul
- Old National Bank, 423 Snelling Ave N, Saint Paul
Get told when this changes
When the next year’s lending figures are out for Ramsey County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.