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investment property lenders · HMDA 2023–2025

Investment property lenders in Ramsey County, Minnesota

Fat Boy Data analyzed investment property mortgage activity in Ramsey County, Minnesota, home to St. Paul, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,459 applications were decided by 239 lenders between 2023 and 2025.

Ramsey County at a glance

239Active lenders17 with 20+ decisions
91.1%Market approval rate1,329 of 1,459 decided
$205KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,276 loans funded

How Ramsey County compares

Approval rate compared
Ramsey County91.1%Minnesota92.4%All 616 counties87.5%
Typical loan compared
Ramsey County$205KMinnesota$245KAll 616 counties$255K

What the data shows

Kiavi Funding, Inc. made the most investment property mortgages in Ramsey County, MN, 80 of them.

Bridgewater Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 57.

The typical investment property mortgage here is $205K, 16% smaller than the Minnesota typical of $245K.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%One lender: 71% approved of 24One lender: 76% approved of 37One lender: 76% approved of 25One lender: 83% approved of 23Bell Bank: 90% approved of 42United Wholesale Mortgage, LLC: 91% approved of 57One lender: 94% approved of 31Sunrise Banks, National Association: 94% approved of 54One lender: 96% approved of 27Kiavi Funding, Inc.: 96% approved of 84Bridgewater Bank: 100% approved of 57One lender: 100% approved of 29One lender: 100% approved of 28One lender: 100% approved of 25One lender: 100% approved of 23One lender: 100% approved of 23One lender: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property lenders in Ramsey County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.96%81 / 8499%$205K80
2United Wholesale Mortgage, LLCBroker only91%52 / 5798%$195K51
3Bridgewater Bank100%57 / 5793%$175K53
4Sunrise Banks, National Association94%51 / 5492%$125K47
5Bell Bank90%38 / 42100%$195K38

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 234 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment property mortgage lenders in Ramsey County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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