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, Saint Paul included, 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.
- 22
- DOORS HERE
- 18
- BASED HERE
- 49
- MN COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 552Kresidents of Ramsey County
- Covers
- Saint Paul
- Elsewhere in MN
- Hennepin County →19 doors — the biggest list of any other county in Minnesota
- State
- Minnesota →49 of 87 counties hold a door in this lane
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 Union- 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 22 doors inside the county line 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.
- Genisys Credit UnionPersonal · Home · Business capital
- Notre Dame Credit UnionPersonal · Home · Business capital
- Trustone Financial Credit UnionPersonal · Home · Business capital
- Wings 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
Nobody paid to be on this list.
The 22 doors inside the county line come off public data, and 8 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
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.
- 22
- DOORS HERE
- 35
- ACROSS MN
Based in Saint Paul, Minnesota. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Falcon Heights, Minnesota. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Saint Paul, Minnesota. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Notre Dame, Indiana. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by Minnesota, and it reads the same in every county in it. The 22 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Minnesota sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX1.05% effective
What Minnesota charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$325K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX5.35% – 9.85%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING94.1
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
22 doors sit inside the Ramsey County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
14 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
49 of Minnesota's 87 counties hold a door in this lane. If Ramsey County does not have the one you need, the whole state is one click away.
Same 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 homes and repairs inside Minnesota county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.