Mortgage lending in Ramsey County, Minnesota
Lenders in Ramsey County, Minnesota reported 14,264 mortgage applications for 2025, according to the CFPB.
14,264 mortgage applications and 9,343 loans originated in 2025; the denial rate was 16.6% of 11,802 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area.
- 14,264
- Applications
- 9,343
- Loans originated
- 16.6%
- Denial rate
- 1,961 denied of 11,802 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 14,264 | 9,343 |
| 2024 | 13,561 | 8,954 |
| 2023 | 12,842 | 8,409 |
| 2022 | 18,424 | 12,154 |
| 2021 | 34,480 | 24,359 |
| 2020 | 35,670 | 24,427 |
| 2019 | 22,483 | 15,427 |
| 2018 | 18,808 | 12,894 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bell Bank | 642 | 777 |
| United Wholesale Mortgage | 495 | 660 |
| Blaze Credit Union | 416 | 634 |
| US Bank, N.A. | 401 | 754 |
| Trustone Financial Credit Union | 392 | 578 |
| Rocket Mortgage | 383 | 519 |
| Affinity Plus Federal Credit Union | 374 | 546 |
| Crosscountry Mortgage, LLC | 303 | 393 |
| Royal Credit Union | 298 | 389 |
| Fairway Independent Mort Corp | 217 | 273 |
| Prosperity Home Mortgage, LLC | 194 | 234 |
| Huntington National Bank | 174 | 330 |
| Alerus Financial NA | 174 | 196 |
| Ideal Credit Union | 152 | 237 |
| Wings Financial Credit Union | 150 | 257 |
| New American Funding, LLC. | 145 | 245 |
| Old National Bank | 136 | 188 |
| Wells Fargo Bank NA | 135 | 227 |
| Pennymac Loan Services LLC | 128 | 201 |
| Luminate Bank | 127 | 173 |
| Guaranteed Rate, Inc. | 123 | 200 |
| Granite Bank | 118 | 142 |
| Movement Mortgage, LLC | 109 | 136 |
| CMG Mortgage Inc | 103 | 160 |
| Guild Mortgage Company | 97 | 121 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 98 | 22.5% of 80 decided |
| Asian | 1,638 | 20.4% of 1,364 decided |
| Black or African American | 888 | 27.0% of 703 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 8,704 | 13.9% of 7,322 decided |
| 2 or more minority races | 52 | no rate: base under 50 |
| Joint | 394 | 12.5% of 328 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,475 | 20.1% of 1,950 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 829 | 24.0% of 687 decided |
| Not Hispanic or Latino | 10,759 | 15.6% of 8,972 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,378 | 19.1% of 1,889 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,495 | 20.5% of 3,621 decided |
| Female | 3,706 | 18.7% of 3,094 decided |
| Joint | 4,619 | 11.7% of 3,945 decided |
| Sex Not Available | 1,444 | 15.7% of 1,142 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 693 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved