What people paid for mortgages in Ramsey County, MN (2025)
Across 4,665 closed home-purchase loans in 2025, the median interest rate in Ramsey was 6.625%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,369 on a median loan of $295,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $5,369
- Median loan amount
- $295,000
4,665 loans, 2025.
Refinance
- Median rate
- 6.24%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $5,011
- Median loan amount
- $275,000
1,284 loans, 2025.
Lowest median rates in Ramsey (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Associated Bank, National Association5.875%31 loans, median costs $4,179
- 2.Blaze Credit Union6.25%103 loans, median costs $2,985
- 3.Wells Fargo Bank, National Association6.25%85 loans, median costs $3,566
- 4.Mortgage Research Center, LLC6.25%52 loans, median costs $4,899
- 5.Wings Financial Credit Union6.25%37 loans, median costs $3,854
Among lenders with at least 30 closed purchase loans in Ramsey County in 2025.
Refinance
- 1.Blaze Credit Union5.75%33 loans, median costs $1,597
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%131 loans, median costs $6,228
- 3.Rocket Mortgage, LLC6.058%128 loans, median costs $7,015
- 4.PENNYMAC LOAN SERVICES, LLC6.062%42 loans, median costs $5,806
- 5.CROSSCOUNTRY MORTGAGE, INC.6.075%35 loans, median costs $5,533
Among lenders with at least 30 closed refinance loans in Ramsey County in 2025.
Lender by lender in Ramsey
Every lender that closed at least 5 qualifying loans in Ramsey County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Bell Bank | 455 | 6.625% | $5,069 | $2,330 | $1,744 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 325 | 6.5% | $7,099 | $2,953 | $1,778 |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 245 | 6.625% | $6,391 | $3,047 | $2,533 |
| 4 | Fairway Independent Mortgage Corporation | 164 | 6.625% | $6,044 | $2,679 | $2,678 |
| 5 | Prosperity Home Mortgage, LLC | 160 | 6.625% | $5,460 | $2,130 | $1,728 |
| 6 | Royal Credit Union | 157 | 6.5% | $6,123 | $3,229 | $1,327 |
| 7 | Rocket Mortgage, LLC | 153 | 6.5% | $4,998 | $2,152 | $1,434 |
| 8 | U.S. Bank National Association | 117 | 6.75% | $4,110 | $1,145 | $1,307 |
| 9 | Alerus Financial, National Association | 113 | 6.625% | $4,049 | $1,389 | $1,251 |
| 10 | Blaze Credit Union | 103 | 6.25% | $2,985 | $200 | $701 |
| 11 | TRUSTONE FINANCIAL CREDIT UNION | 98 | 6.625% | $3,997 | $1,327 | $501 |
| 12 | Luminate Bank | 97 | 6.625% | $7,324 | $4,190 | $2,699 |
| 13 | Broker Solutions, Inc. | 95 | 6.75% | $6,082 | $3,083 | $2,000 |
| 14 | Granite Bank | 95 | 6.5% | $6,060 | $2,095 | $2,284 |
| 15 | GUARANTEED RATE, INC. | 90 | 6.575% | $6,158 | $2,719 | $2,470 |
| 16 | Wells Fargo Bank, National Association | 85 | 6.25% | $3,566 | $1,544 | $1,724 |
| 17 | Old National Bank | 79 | 6.375% | $3,880 | $1,100 | $553 |
| 18 | CMG MORTGAGE, INC. | 76 | 6.75% | $7,186 | $3,972 | $2,616 |
| 19 | GUILD MORTGAGE COMPANY | 74 | 6.875% | $5,182 | $1,858 | $1,737 |
| 20 | PENNYMAC LOAN SERVICES, LLC | 74 | 6.495% | $6,616 | $2,201 | $980 |
| 21 | EVERETT FINANCIAL, INC. | 71 | 6.875% | $7,384 | $4,078 | $2,485 |
| 22 | SWBC MORTGAGE CORPORATION | 70 | 6.562% | $5,770 | $3,264 | $2,940 |
| 23 | GUARANTEED RATE AFFINITY, LLC | 67 | 6.625% | $5,516 | $2,529 | $1,840 |
| 24 | MOVEMENT MORTGAGE, LLC | 66 | 6.875% | $4,603 | $1,695 | $998 |
| 25 | Mortgage Research Center, LLC | 52 | 6.25% | $4,899 | $0 | $1,053 |
| 26 | The Huntington National Bank | 50 | 6.5% | $5,512 | $1,807 | $2,396 |
| 27 | Summit Mortgage Corporation | 41 | 6.625% | $6,056 | $2,778 | $2,180 |
| 28 | Tradition Mortgage, LLC | 41 | 6.5% | $4,169 | $1,355 | $1,211 |
| 29 | Wings Financial Credit Union | 37 | 6.25% | $3,854 | $1,250 | $2,254 |
| 30 | AFFINITY PLUS | 37 | 6.5% | $5,093 | $2,787 | $2,750 |
| 31 | MASON MCDUFFIE MORTGAGE CORPORATION | 36 | 6.495% | $7,283 | $4,110 | $2,785 |
| 32 | ZILLOW HOME LOANS, LLC | 33 | 6.625% | $4,681 | $2,598 | $1,803 |
| 33 | JPMorgan Chase Bank, National Association | 33 | 6.625% | $2,202 | $0 | $1,856 |
| 34 | Loandepot.Com, LLC | 32 | 6.625% | $8,289 | $3,880 | $3,230 |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.625% | $5,960 | $2,428 | $1,372 |
| 36 | MEGASTAR FINANCIAL CORP. | 31 | 6.625% | $5,797 | $1,495 | $2,420 |
| 37 | Associated Bank, National Association | 31 | 5.875% | $4,179 | $942 | $464 |
| 38 | Sunrise Banks, National Association | 29 | n/a | n/a | n/a | n/a |
| 39 | PLAZA HOME MORTGAGE, INC.broker only | 28 | 6.375% | $6,878 | $2,780 | $2,691 |
| 40 | Bank of America, National Association | 28 | 6.188% | $1,436 | $460 | $3,276 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Ramsey figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Ramsey County in 2025?
The median interest rate on closed home-purchase loans in Ramsey County, Minnesota in 2025 was 6.625%, across 4,665 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.