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Lowest closing cost mortgage lenders in Ramsey County County, Minnesota

In Ramsey County, Minnesota, homebuyers paid a median of $5,656 in closing costs in 2024 — near the Minnesota median of $5,722. The county saw 4,333 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $575, which is $4,703 less than the county median.

Homebuyers in Ramsey County County who chose PULTE MORTGAGE LLC paid $5,081 less in closing costs than the county median.

County Median Costs

$5,656

−1.1% vs Minnesota ($5,722)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$2,798

Purchase Originations

4,333

vs Minnesota Median

1.1% below

$-66

vs National Median

16.1% below

$-1,085

Lender rankings in Ramsey County County

62 lenders with 10+ originations, ranked by median total loan costs.

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$5756.438%$020−$4,703
2$1,7106.125%$87836−$3,568
3$1,8266.500%$50042−$3,452
4$1,9806.625%$17567−$3,298
5$2,9856.375%$2,13675−$2,293
6$3,2426.375%$77517−$2,036
7$3,4146.375%$33812−$1,864
8$3,5246.125%$90040−$1,754
9$3,5646.625%$1,77311−$1,714
10$3,5776.750%$1,12513−$1,701
11$3,7686.500%$1,18099−$1,510
12$3,8166.875%$1,301101−$1,462
13$3,8466.500%$1,20038−$1,432
14$3,8696.688%$1,05018−$1,409
15$3,8966.808%$78610−$1,382
16$4,1475.750%$1,62523−$1,131
17$4,1586.625%$1,59296−$1,120
18$4,2046.375%$1,69569−$1,074
19$4,3666.994%$1,64018−$912
20$4,3937.125%$1,595109−$885
21$4,4636.625%$2,41619−$815
22$4,5546.625%$1,74041−$724
23$4,6126.500%$2,08410−$666
24$4,6256.625%$1,86335−$653
25$4,6496.625%$2,04823−$629
26$5,0636.625%$2,72928−$215
27$5,1366.000%$2,64015−$142
28$5,1406.625%$2,75929−$138
29$5,1996.838%$2,44738−$79
30$5,3296.625%$2,22845+$51
31$5,3426.875%$2,78313+$64
32$5,3516.500%$2,65352+$73
33$5,3846.625%$2,638406+$106
34$5,3916.625%$1,49523+$113
35$5,6516.625%$3,868143+$373
36$5,7336.625%$2,967145+$455
37$5,7426.750%$3,195168+$464
38$5,7587.125%$3,24433+$480
39$5,7606.875%$2,74018+$482
40$5,7776.625%$3,33242+$499
41$5,7846.990%$3,27726+$506
42$5,8196.990%$3,451130+$541
43$5,8496.875%$3,41150+$571
44$5,9356.625%$3,33833+$657
45$5,9686.750%$3,56718+$690
46$6,0576.625%$3,40797+$779
47$6,2016.625%$3,71635+$923
48$6,2526.688%$3,61214+$974
49$6,3256.625%$3,71456+$1,047
50$6,3666.933%$3,68726+$1,088
51$6,3816.875%$3,815186+$1,103
52$6,6286.495%$3,79328+$1,350
53$6,7086.562%$3,48820+$1,430
54$6,7296.875%$4,370105+$1,451
55$6,7486.625%$4,22116+$1,470
56$6,8347.000%$3,81117+$1,556
57$6,8706.875%$4,05721+$1,592
58$7,0936.875%$4,70417+$1,815
59$7,2947.000%$4,70242+$2,016
60$7,3146.625%$4,557243+$2,036
61$7,5826.990%$4,59838+$2,304

Includes lenders with 10+ purchase originations in Ramsey County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Minnesota → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).

Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.