Home financing in Ramsey County.
County-by-county financing guides. No paperwork. No social. No ID.
18 institutions are headquartered inside the Ramsey County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Ramsey County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Affinity Plus Credit UnionPersonal · Home · Business capital
- Blaze Credit UnionPersonal · Home · Business capital
- Carpenters Credit UnionMinority depositoryPersonal · Home
- St. Paul Credit UnionPersonal · Home · Business capital
- African Economic Development SolutionsSBA microlenderCommunity lending · Business capital
- IN THIS LIST
14 of the 25 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Community Neighborhood Housing ServicesCommunity lending · Business capital
- Greater Minnesota Housing FundCommunity lending · Business capital
- Habitat for Humanity of Minnesota, Inc.Community lending · Business capital
Show the other 10Show fewer
- Hmong American Partnership ECDCCommunity lending · Business capital
- Indian Land Capital Company LLCCommunity lending · Business capital
- Latino Economic Development CenterCommunity lending · Business capital
- NeDA Centro de Finanzas LLCCommunity lending · Business capital
- Neighborhood Development CenterSBA microlenderCommunity lending · Business capital
- Shared Capital CooperativeCommunity lending · Business capital
- TCHFH Lending, Inc.Community lending · Business capital
- University Financial Corp.Community lending
- WomenventureSBA microlenderCommunity lending · Business capital
- Sunrise Banks, N.A.Personal · Business capital
Based elsewhere, with a member-facing office inside the Ramsey County line. You can walk in.
- Ent Credit UnionPersonal · Home · Business capital
- Genisys Credit UnionPersonal · Home · Business capital
- Notre Dame Credit UnionPersonal · Home · Business capital
- Trustone Financial Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
This guide helps Ramsey County residents — including self-employed workers, solo contractors, and immigrant homebuyers — understand how home financing works, who qualifies, and where to get help locally. We highlight Saint Paul–based CDFIs, credit unions, and ITIN-friendly lenders that actually serve this community. State programs through Minnesota Housing are strong here and should be your first call before turning to any private lender. Origen Capital is a directory, not a lender — we help you find the right door to knock on.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
African Economic Development Solutions · Community Neighborhood Housing ServicesOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Affinity Plus Credit Union · Blaze Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN RAMSEY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN RAMSEY COUNTY →49MN COUNTIES WITH DOORSThe whole stateEvery county in Minnesota, in this same lane.35 institutions fund home financing inside Minnesota county lines.OPEN THE STATE →
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