Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ramsey County, Minnesota
Every institution that decided a 1–4 unit mortgage application in Ramsey County, home to St. Paul, between 2023 and 2025: 29,347 applications, 24,149 loans actually funded, across 8 kinds of borrowing.
Ramsey County at a glance
29,347Applications decided
2023–2025
24,149Loans funded
82% of decisions
143Census tracts
21 ZIP codes
544,438People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 61% of 177 applications.
Lending by loan type in Ramsey County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.6% | 17,259 | $275K | 97% | 398 |
| Home improvement loans | 72.1% | 4,486 | $65K | 93% | 122 |
| Cash-out refinance | 68.3% | 2,715 | $155K | 93% | 187 |
| Refinance | 82.7% | 2,733 | $195K | 93% | 241 |
| Investment property purchase | 91.1% | 1,459 | $205K | 96% | 239 |
| Investment cash-out refinance | 73.4% | 244 | $185K | 92% | 90 |
| Investment refinance | 81.4% | 274 | $195K | 96% | 101 |
| Investment home improvement | 61.0% | 177 | $125K | 96% | 54 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.