Top Ramsey, MN Mortgage Lenders

RankRamsey Mortgage LenderRamsey Home Loans ProcessedRamsey Home Loans ApprovedRamsey Home Loans DeniedRamsey Mortgage Median Loan to Income Ratio (LTR) for Approved LoansRamsey Mortgage Median LTR for Denied Loans
1Wells Fargo Bank 2,413 67%15%
  • 205%
  • (123,000 Loan / $60,000 Income)
  • 219%
  • (195,000 Loan / $89,000 Income)
2Jpmorgan Chase Bank 719 86%12%
  • 228%
  • (153,000 / $67,000)
  • 222%
  • (136,000 / $61,000)
3Us Bank 527 83%10%
  • 240%
  • (161,000 / $67,000)
  • 293%
  • (241,000 / $82,000)
4Citimortgage 517 83%7%
  • 257%
  • (317,000 / $123,000)
  • 323%
  • (194,000 / $60,000)
5Tcf National Bank 489 30%42%
  • 203%
  • (250,000 / $123,000)
  • 282%
  • (382,000 / $135,000)
6Bank Of America 418 79%12%
  • 247%
  • (131,000 / $53,000)
  • 260%
  • (182,000 / $70,000)
7Countrywide Bank Fsb 392 75%11%
  • 218%
  • (273,000 / $125,000)
  • 296%
  • (178,000 / $60,000)
8Wells Fargo Funding 344 98%1%
  • 238%
  • (300,000 / $126,000)
  • 283%
  • (173,000 / $61,000)
9Citibank 282 72%14%
  • 156%
  • (185,000 / $118,000)
  • 128%
  • (95,000 / $74,000)
10Countrywide Home Loans 248 79%15%
  • 227%
  • (134,000 / $59,000)
  • 187%
  • (176,000 / $94,000)
11The Business Bank 244 91%4%
  • 259%
  • (249,000 / $96,000)
  • 260%
  • (195,000 / $75,000)
12Bell America Mortgage Llc Dba 189 77%2%
  • 263%
  • (179,000 / $68,000)
  • 443%
  • (213,000 / $48,000)
13Us Bk Na Nd 183 45%42%
  • 120%
  • (52,000 / $43,000)
  • 187%
  • (137,000 / $73,000)
14Radian Guaranty 173 75%3%
  • 271%
  • (141,000 / $52,000)
  • 305%
  • (223,000 / $73,000)
15Marketplace Home Mortgage Llc 169 79%2%
  • 262%
  • (155,000 / $59,000)
  • 183%
  • (195,000 / $106,000)
16Mortgage Guaranty Insurance Co 157 71%8%
  • 296%
  • (178,000 / $60,000)
  • 310%
  • (385,000 / $124,000)
17Us Bank North Dakota 153 37%40%
  • 120%
  • (72,000 / $60,000)
  • 145%
  • (51,000 / $35,000)
18C.U. Mortgage Services, 148 55%9%
  • 237%
  • (152,000 / $64,000)
  • 297%
  • (247,000 / $83,000)
19United Guaranty Corporation 147 73%8%
  • 295%
  • (189,000 / $64,000)
  • 285%
  • (314,000 / $110,000)
20Affinity Plus Federal Credit U 144 65%4%
  • 145%
  • (51,000 / $35,000)
  • 251%
  • (123,000 / $49,000)

Ramsey, MN Mortgage Home Loan Summary Data & Statistics

  1. Loan Applications Processed: 13,791
  2. Loan Applications Denied: 2,327
  3. % of Loan Applications Denied: 16
  4. # of Loan Originations: 9,179
  5. % of Loan Applications Originated 66

Ramsey, MN Home Loan Application Denied Reasons

Denied Reason % of All Denied Applications
Collateral13
Debt-to-income ratio9
Credit history8
Credit application incomplete3
Unverifiable information2

Ramsey, MN Mortgage Loans Processed & Denied Applications by Loan Amount

Loan Amount Category Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
$0 - $100,0002,634 6220
$100,000 - $300,00010,118 6815
$300,000 - $500,000988 5622
$500,000 - $1,000,00048 2452
$1,000,000 - $1,500,0003 3366

Ramsey, MN Home Loans Processed & Denied Applications by Income Level

Income Levels Category Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
$0 - $100,00010,176 6517
$100,000 - $300,0003,475 6615
$300,000 - $500,00090 5921
$500,000 - $1,000,00044 5815
$1,000,000 - $1,500,0003 3366
$1,500,000 - $2,000,0002 00
> $2,000,0001 00

Loan to Income Ratios Research for Mortgage in Ramsey, MN

Loan to Income Ratio (Loan Amount as a Percentage of Income Levels) Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
0 - 30%48755 26
30 - 60%67558 20
60 - 100%87965 18
100 - 200%3,29369 13
200 - 300%4,11269 14
300 - 400%2,66966 15
> 400%1,67654 26

Ramsey, MN Home Owner Occupancy Type Mortgage Data

Owner Occupancy Name Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
Owner-Occupied As A Principal Dwelling13,224 6616
Not Owner-Occupied As A Principal Dwelling527 6819
Not Applicable2 500

Home Owner Property Type Statistics in Ramsey, MN for Home Loans

Property Type Name Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
One-To-Four Family Dwelling (Other Than Manufactured Housing)12,960 6617
One To Four-Family800 735
Manufactured Housing31 967
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