County · MN
Multifamily lenders in Ramsey County, MN
47 lenders made 160 multifamily loans in Ramsey County, MN in 2024 and 2025, $934.7M in all. JPMorgan Chase Bank, National Association made the most, with 18. The typical loan was about $1.2M. The county is part of the Minneapolis, MN-WI metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 47
- HMDA,
- Multifamily loans, 2024-25
- 160
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $935M
- HMDA,
- Typical loan
- $1.2M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Ramsey County, MN, https://lender.report/lenders-in/minnesota/ramsey-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, National Association multifamily record | Bank | Columbus, OH | 18 | $65.8M | 13 | 5 | $1.7M |
| Bridgewater Bank multifamily record | Bank | Saint Louis Park, MN | 14 | $32.6M | 11 | 3 | $1.5M |
| Sunrise Banks, National Association multifamily record | Bank | Sioux Falls, SD | 12 | $27.4M | 8 | 4 | $700K |
| Old National Bank multifamily record | Bank | Evansville, IN | 8 | $77.0M | 6 | 2 | $720K |
| Coulee Bank multifamily record | Bank | La Crosse, WI | 8 | $1.62M | 0 | 8 | $200K |
| Blaze Credit Union multifamily record | Credit union | Falcon Heights, MN | 7 | $22.0M | 6 | 1 | $700K |
| Colliers Mortgage LLC multifamily record | Non-bank | Minneapolis, MN | 6 | $180M | 3 | 3 | $30M |
| 21st Century Bank multifamily record | Bank | Loretto, MN | 5 | $4.66M | 0 | 5 | $500K |
| Highland Bank multifamily record | Bank | Saint Paul, MN | 5 | $2.72M | 4 | 1 | $500K |
| JLL Real Estate Capital, LLC multifamily record | Non-bank | St. Paul, MN | 4 | $40.6M | 0 | 4 | $7M |
| Frandsen Bank & Trust multifamily record | Bank | Lonsdale, MN | 4 | $5.58M | 2 | 2 | $1M |
| First Resource Bank multifamily record | Bank | Lino Lakes, MN | 4 | $3.20M | 4 | 0 | $540K |
| Merchants Bank of Indiana multifamily record | Bank | Carmel, IN | 3 | $59.0M | 0 | 3 | $19M |
| Alliance Bank multifamily record | Bank | Lake City, MN | 3 | $9.28M | 2 | 1 | $2.2M |
| Royal Credit Union multifamily record | Credit union | Eau Claire, WI | 3 | $8.18M | 3 | 0 | $980K |
| The Bank of Elk River multifamily record | Bank | Elk River, MN | 3 | $6.34M | 3 | 0 | $2.2M |
| Community Resource Bank multifamily record | Bank | Northfield, MN | 3 | $3.92M | 3 | 0 | $400K |
| Platinum Bank multifamily record | Bank | Oakdale, MN | 3 | $3.28M | 1 | 2 | $520K |
| Security Bank & Trust Company multifamily record | Bank | Glencoe, MN | 3 | $2.62M | 2 | 1 | $620K |
| Greystone Servicing Corporation, Inc. multifamily record | Non-bank | Memphis, TN | 2 | $50.0M | 0 | 2 | $44M |
| Merchants Capital Corp. multifamily record | Non-bank | Carmel, IN | 2 | $50.0M | 2 | 0 | $27M |
| Veridian Credit Union multifamily record | Credit union | Waterloo, IA | 2 | $28.6M | 0 | 2 | $25M |
| Bellwether Enterprise Real Estate Capital, LLC multifamily record | Non-bank | Cleveland, OH | 2 | $14.5M | 2 | 0 | $10M |
| Minnwest Bank multifamily record | Bank | Redwood Falls, MN | 2 | $11.0M | 2 | 0 | $9.4M |
| First Bank & Trust multifamily record | Bank | Brookings, SD | 2 | $5.12M | 2 | 0 | $4.8M |
| Citizens State Bank multifamily record | Bank | Hudson, WI | 2 | $1.90M | 1 | 1 | $980K |
| BankCherokee multifamily record | Bank | Saint Paul, MN | 2 | $1.20M | 1 | 1 | $700K |
| Star Bank | Bank | Maple Lake, MN | 2 | $1.02M | 1 | 1 | $620K |
| Lakeview Bank multifamily record | Bank | Lakeville, MN | 2 | $660K | 1 | 1 | $440K |
| Wells Fargo Bank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $59.0M | 0 | 1 | $59M |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 71 | 27 |
| $1M to $2.5M | 35 | 16 |
| $2.5M to $5M | 13 | 9 |
| $5M to $10M | 14 | 8 |
| $10M or more | 27 | 17 |
- Lenders made 160 multifamily loans totaling $934.7M in Ramsey County, MN in 2024 and 2025. HMDA,
- 6 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 98 of the loans were made in 2025 and 62 in 2024. HMDA,
- The typical loan in Ramsey County, MN was about $1.2M, with the middle half between $500K and $5.2M. HMDA,
- 71 of the loans were under $1M, and 41 were $5M or more. HMDA,
- Lenders reported a median rate of 6.10% on 79 loans in Ramsey County, MN, with the middle half between 5.67% and 7.07%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 70%. HMDA,
- 34% of the loans were refinancings and 54% were purchases. HMDA,
- Banks and savings institutions made 117 of the loans, credit unions 12, and non-banks 25. HMDA,
- The five most active lenders made 37.5% of the loans. HMDA,
- The three most active lenders were JPMorgan Chase Bank, National Association with 18, Bridgewater Bank with 14, and Sunrise Banks, National Association with 12. HMDA,
- 21 of the 47 lenders are based in Minnesota. The rest are based elsewhere, most often in Wisconsin, Indiana and Ohio. HMDA,
- The most common property size was 5 to 24 units, with 89 loans. HMDA,
- Ramsey County, MN is part of the Minneapolis-St. Paul-Bloomington, MN-WI metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Ramsey County, MN
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.