County directory · Minnesota

CDFI lenders in Ramsey County, MN

14 are headquartered here. 2 more say they serve all of Minnesota. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).

Name this county: 0
Based here: 14
Serve all of MN: 2

None of the lender websites we read names Ramsey County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Saint Paul.

Lenders compared for Ramsey County

18 with local records

Lender	Local records	Loan sizes	Head office
1. Sunrise Banks, N.A. Bank or thrift, St Paul MN	headquarters here; 1 office here; 36 SBA loans here, FY2020–FY2026; 53 home loans here, 2025	ask	2 mi
2. University Financial Corp. Bank holding company, Saint Paul MN	headquarters here; 1 office here	up to $5M	5 mi
3. Change Lending, LLC Loan fund, Anaheim CA	8 home loans here, 2025	up to $3.5M	1,515 mi
4. First Children's Finance Loan fund, Minneapolis MN	4 SBA loans here, FY2020–FY2026	up to $125,000	8 mi
5. Minnesota Power Employees Credit Union Credit union, Duluth MN	4 home loans here, 2025	ask	133 mi
6. Champions Funding, LLC Loan fund, Gilbert AZ	4 home loans here, 2025	up to $3M	1,278 mi
7. Indian Land Capital Company LLC Loan fund, Little Canada MN	headquarters here	ask	1 mi
8. Community Neighborhood Housing Services Loan fund, St Paul MN	headquarters here	ask	2 mi
9. Hmong American Partnership ECDC Loan fund, Saint Paul MN	headquarters here	$500–$50,000	2 mi
10. Latino Economic Development Center Loan fund, Saint Paul MN	headquarters here	ask	3 mi
11. African Economic Development Solutions Loan fund, St Paul MN	headquarters here	$300–$100,000	3 mi
12. NEIGHBORHOOD DEVELOPMENT CENTER Loan fund, Saint Paul MN	headquarters here	$300–$250,000	3 mi
13. TCHFH Lending, Inc. Loan fund, St. Paul MN	headquarters here	ask	3 mi
14. Womenventure Loan fund, Saint Paul MN	headquarters here	up to $100,000	3 mi
15. NeDA Centro de Finanzas LLC Loan fund, Saint Paul MN	headquarters here	ask	4 mi
16. Greater Minnesota Housing Fund Loan fund, St. Paul MN	headquarters here	ask	5 mi
17. Habitat for Humanity of Minnesota, Inc. Loan fund, St. Paul MN	headquarters here	ask	5 mi
18. Shared Capital Cooperative Loan fund, Saint Paul MN	headquarters here	$5,000–$1M	5 mi

15 of these 18 lenders have received CDFI Fund awards, together $138.4M in fiscal years 1997–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

15 lenders

15 head offices and 6 branches or offices of 15 lenders on this page, within 30 miles of the centre of Ramsey County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Small-business loans (6 lenders)
Commercial real estate loans (3 lenders)
Credit-builder loans (2 lenders)
Microloans (2 lenders)
Affordable housing development loans (2 lenders)
Equipment loans (2 lenders)
SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)
Home mortgages (2 lenders)

Banks and credit unions with a branch in this county

2 certified CDFIs have at least one office in Ramsey County (FDIC office data as of 30 Oct 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 71 originated home loans for properties in Ramsey County in 2025 under the Home Mortgage Disclosure Act: 0.8% of the 9,343 home loans that all HMDA lenders reported here.

Plus 1 more certified CDFI with fewer than 3 loans here each (not listed).

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Small business and SBA lending in Ramsey County

Official statistics

Median household income in Ramsey County is $81,568, 8% below the Minnesota figure of $89,062 (ACS 2020–2024).

Businesses here took 75.1 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Minnesota county (58.9), rank 33 of 87.

Measure	Ramsey County	Minnesota
Businesses with paid employees (CBP 2023)	13,677 (8.9% of the state)	154,455
…of which under 20 employees	81%	84%
Businesses without employees (Nonemployer Statistics 2023)	43,412	453,181
Median household income (ACS 2020–2024)	$81,568 (8% below the state)	$89,062
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	1,027 (893 7(a), 134 504)	11,542
…per 1,000 businesses with employees	75.1 (rank 33 of 87 Minnesota counties)	58.9 (median county)
Median SBA 7(a) loan, all lenders	$200,000	$175,650
…with a certified CDFI as lender, CDC or third-party lender	42 (4%)	376 (3%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.25 pts (302 loans; 5% at the SBA maximum)	2 pts (4% at the maximum)

Approvals by fiscal year: FY2020 115 · FY2021 182 · FY2022 146 · FY2023 149 · FY2024 170 · FY2025 181 · FY2026 84.

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 42 SBA approvals (42 7(a) loans) for borrowers in Ramsey County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $24M approved.

CDFIs with 3 or more: Sunrise Banks, N.A. (36), First Children's Finance (4). 1 more CDFI made 1 or 2 each.

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

487 loans and investments totaling $168M (median $100,000) were reported to the CDFI Fund for borrowers and projects in Ramsey County in fiscal year 2022, by 25 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate business	115	$32.7M	$100,000
Home purchase	112	$15.6M	$115,108
Home improvement	61	$4M	$34,239
Real estate: commercial construction, permanent or acquisition	48	$60.3M	$546,291
None of the listed purposes	44	$8.5M	$117,827
Consumer	35	$133,371	$1,012
Other purposes	72	$46.7M

Of 166 individual borrowers whose income was reported, 76% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 5,963 consumer loans in Ramsey County totaling $39.7M (Consumer Loan Report, tract totals, so no median); they counted 32% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 486 · FY2019 336 · FY2020 944 · FY2021 1,436.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Headquartered in Ramsey County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Minnesota

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.