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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Ramsey County, Minnesota

Fat Boy Data analyzed cash-out refinance activity in Ramsey County, Minnesota to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,715 applications were decided by 187 lenders between 2023 and 2025.

Ramsey County at a glance

187Active lenders26 with 20+ decisions
68.3%Market approval rate1,855 of 2,715 decided
$155KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,729 loans funded

How Ramsey County compares

Approval rate compared
Ramsey County68.3%Minnesota72.1%All 616 counties68.2%
Typical loan compared
Ramsey County$155KMinnesota$145KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Ramsey County, MN, 339 of them.

Trustone Financial Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 7% approved of 29Lakeview Loan Servicing, LLC: 15% approved of 34Amerisave Mortgage Corporation: 22% approved of 116New Day Financial, LLC: 24% approved of 25Carrington Mortgage Services, LLC: 40% approved of 48Mutual of Omaha Mortgage, Inc.: 50% approved of 22Newrez LLC: 52% approved of 95New American Funding, LLC: 54% approved of 50Affinity Plus: 56% approved of 36Loandepot.Com, LLC: 56% approved of 68GoodLeap, LLC: 56% approved of 39Wells Fargo Bank, National Association: 57% approved of 94Royal Credit Union: 65% approved of 31Pennymac Loan Services, LLC: 68% approved of 50BMO Bank National Association: 69% approved of 32United Wholesale Mortgage, LLC: 70% approved of 166Wings Financial Credit Union: 71% approved of 21The Huntington National Bank: 72% approved of 78Freedom Mortgage Corporation: 72% approved of 64Nationstar Mortgage LLC: 76% approved of 51Rocket Mortgage, LLC: 77% approved of 477Blaze Credit Union: 80% approved of 187U.S. Bank National Association: 82% approved of 186Bell Bank: 89% approved of 38Crosscountry Mortgage, LLC: 95% approved of 20Trustone Financial Credit Union: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Ramsey County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC77%367 / 47792%$145K339
2Blaze Credit Union80%150 / 18791%$75K137
3U.S. Bank National Association82%153 / 18699%$145K151
4United Wholesale Mortgage, LLCBroker only70%116 / 16698%$215K114
5Amerisave Mortgage Corporation22%25 / 11696%$185K24

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

Fat Boy found 182 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Ramsey County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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