Tier 2 · Standard · quality score 54/100
Research mortgage companies in Ramsey County, Minnesota
2 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Ramsey County
Source: 2025 HMDA · Minnesota (MN) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional88.9% · 8,306
- FHA7.6% · 712
- VA3.3% · 307
- USDA / RHS0.0% · 17
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Ramsey County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| Bell Bank | 642 | 6.9% |
| United Wholesale Mortgage, LLC | 495 | 5.3% |
| BLAZE CREDIT UNION | 416 | 4.5% |
| U.S. Bank National Association | 401 | 4.3% |
| TRUSTONE FINANCIAL CREDIT UNION | 392 | 4.2% |
| Rocket Mortgage, LLC | 383 | 4.1% |
| AFFINITY PLUS | 374 | 4.0% |
| CROSSCOUNTRY MORTGAGE, LLC | 303 | 3.2% |
| Royal Credit Union | 298 | 3.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 217 | 2.3% |
| Prosperity Home Mortgage, LLC | 194 | 2.1% |
| The Huntington National Bank | 174 | 1.9% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Loan-program research entry points
Educational pathways only. Confirm product eligibility and pricing with any company and primary sources — these are not live lender quotes.
- Conventional
Baseline purchase & refinance themes — educational overview
At least one in-county listing shows this loan type
- FHA
Lower down-payment research themes — not an eligibility tool
At least one in-county listing shows this loan type
- VA
Military / veteran program themes — confirm with VA sources
At least one in-county listing shows this loan type
- Down-payment assistance
State/local assistance concepts — not a complete local inventory
- Program finder
Short guided shortlist with clear disclaimers
Compare, calculate, verify
Official housing & licensing handoffs
Primary sources only. Program availability and eligibility change — confirm on the official site.
- NMLS Consumer Access ↗ — Confirm company and individual licenses before you apply
- CFPB — Owning a Home ↗ — Educational tools and Loan Estimate guides
- HUD housing counseling ↗ — Find a HUD-approved housing counselor
County quality score 54/100 · Tier 2 (Standard). See methodology. Path: /local-lenders/minnesota/ramsey
Only 2 listed lenders with confirmed in-county HQ for Ramsey County, Minnesota. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to Ramsey County.