HomeMinnesotaSt. Louis CountyInvestment cash-out refinance
investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in St. Louis County, Minnesota

Fat Boy Data analyzed investment cash-out refinance activity in St. Louis 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. 164 applications were decided by 60 lenders between 2023 and 2025.

St. Louis County at a glance

60Active lenders0 with 20+ decisions
78.0%Market approval rate128 of 164 decided
$135KTypical loanmedian lender, $10K brackets
98%Borrower take-up126 loans funded

How St. Louis County compares

Approval rate compared
St. Louis County78.0%Minnesota72.0%All 616 counties73.1%
Typical loan compared
St. Louis County$135KMinnesota$195KAll 616 counties$205K

What the data shows

Superior Choice Credit Union made the most investment cash-out refinances in St. Louis County, MN, 13 of them.

Lenders approved 78.0% of investment cash-out refinance applications in St. Louis County, MN, 6.1 percentage points above the Minnesota rate of 72.0%.

The typical investment cash-out refinance here is $135K, 31% smaller than the Minnesota typical of $195K.

Investment property cash-out lenders in St. Louis County

LenderApprovalApprovedTaken upTypical loanLoans made
1North Shore Bank of CommerceLimited sample80%12 / 15100%$205K12
2Superior Choice Credit UnionLimited sample93%13 / 14100%$105K13
3Centricity Credit UnionLimited sample100%12 / 12100%$145K12
4U.S. Bank National AssociationLimited sample33%3 / 9100%$75K3
5North Star Credit UnionLimited sample100%8 / 8100%$135K8

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 55 more lenders.

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