Minnesota · HMDA 2025
Mortgage lenders in Ramsey County, MN
427 lenders reported 16,065 home-loan applications in Ramsey County in 2025. 9,343 closed as loans ($2.8B), 1,961 were denied — a 16.6% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 16% of applications, led by U.S. Bank National Association. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 16,065
- Loans originated
- 9,343
- Purchase / refinance
- 5,512 / 1,976
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ramsey County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 1,151 | 7.2% | 39.5% |
| 2 | Bell Bank 59 out of 100, Moderate | 778 | 4.8% | 7.1% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 663 | 4.1% | — |
| 4 | Blaze Credit Union 61 out of 100, Moderate | 634 | 3.9% | 14.3% |
| 5 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 578 | 3.6% | 22.2% |
| 6 | AFFINITY PLUS | 546 | 3.4% | — |
| 7 | Rocket Mortgage, LLC | 538 | 3.3% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 481 | 3.0% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 393 | 2.4% | — |
| 10 | Royal Credit Union 73 out of 100, Strong | 393 | 2.4% | 11.3% |
| 11 | The Huntington National Bank 59 out of 100, Moderate | 344 | 2.1% | 31.6% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 312 | 1.9% | 14.1% |
| 13 | NEWREZ LLC | 282 | 1.8% | — |
| 14 | Fairway Independent Mortgage Corporation | 282 | 1.8% | — |
| 15 | GUARANTEED RATE, INC. | 263 | 1.6% | — |
| 16 | Wings Financial Credit Union | 258 | 1.6% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 249 | 1.5% | 22.2% |
| 18 | Broker Solutions, Inc. | 245 | 1.5% | — |
| 19 | IDEAL Credit Union 62 out of 100, Moderate | 238 | 1.5% | 23.4% |
| 20 | Prosperity Home Mortgage, LLC | 234 | 1.5% | — |
| 21 | Old National Bank 59 out of 100, Moderate | 202 | 1.3% | 22.1% |
| 22 | Alerus Financial, National Association 70 out of 100, Strong | 196 | 1.2% | 10.1% |
| 23 | CMG MORTGAGE, INC. | 188 | 1.2% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 186 | 1.2% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 184 | 1.1% | — |
| 26 | Luminate Bank 47 out of 100, Below average | 174 | 1.1% | 4.3% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 151 | 0.9% | 44.7% |
| 28 | Granite Bank 53 out of 100, Below average | 142 | 0.9% | 6.2% |
| 29 | MOVEMENT MORTGAGE, LLC | 136 | 0.8% | — |
| 30 | Loandepot.Com, LLC | 135 | 0.8% | — |
| 31 | EVERETT FINANCIAL, INC. | 133 | 0.8% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 132 | 0.8% | — |
| 33 | Mortgage Research Center, LLC | 126 | 0.8% | — |
| 34 | GUILD MORTGAGE COMPANY | 122 | 0.8% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 120 | 0.7% | 3.0% |
| 36 | Associated Bank, National Association | 112 | 0.7% | — |
| 37 | SWBC MORTGAGE CORPORATION | 111 | 0.7% | — |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 108 | 0.7% | — |
| 39 | GUARANTEED RATE AFFINITY, LLC | 108 | 0.7% | — |
| 40 | FIGURE LENDING LLC | 102 | 0.6% | — |
Top 40 of 427 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Minnesota
- Hennepin County 43,986 apps
- Dakota County 17,858 apps
- Anoka County 15,259 apps
- Washington County 12,517 apps
- Wright County 7,712 apps
- St. Louis County 6,914 apps
- Scott County 6,536 apps
- Olmsted County 5,774 apps
- Stearns County 5,097 apps
- Carver County 5,082 apps
- Sherburne County 4,765 apps
- Crow Wing County 2,996 apps