Mortgage lending in Ramsey County
9,342 mortgages were originated in Ramsey County, Minnesota, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,342
- Median rate
- 6.625%
- Median lender fees
- $4,737
- Median loan amount
- $235,000
- Median spread over APOR
- 0.266
- Paid discount points
- 36%
- Received lender credits
- 26.9%
- Purchases / refinances
- 59% / 21.2%
- Conventional / FHA / VA
- 88.9% / 7.6% / 3.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $552,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Ramsey County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bell Bank | 642 | $4,941 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 495 | $6,795 | 6.375% |
| Blaze Credit Union | 416 | $1,450 | 6.375% |
| U.S. Bank National Association | 401 | $3,640 | 8.000% |
| TRUSTONE FINANCIAL CREDIT UNION | 392 | $1,770 | 7.210% |
| Rocket Mortgage, LLC | 383 | $4,881 | 6.625% |
| AFFINITY PLUS | 374 | $320 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 303 | $6,388 | 6.625% |
| Royal Credit Union | 298 | $5,411 | 6.625% |
| Fairway Independent Mortgage Corporation | 217 | $5,933 | 6.688% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Ramsey County — not a rule of thumb.
From 6,758 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers