Bremer Bank, NA Mortgage Lending & HMDA Data, 2016

In 2016, Bremer Bank, NA of St. Paul, MN reported 5,275 mortgage applications totaling $1.4 billion, up 9% from 2015. The average application was for $256,563, and applicants reported an average income of $104,281. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,383), Rochester, MN (371) and Fargo, ND-MN (334) (applications in parentheses).

Mortgage Company & Address Bremer Bank, NA
372 St. Peter Street
St. Paul, MN 55102
Tel #: available with data download
Federal Regulator * available with data download
Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,275
Total Mortgage Loan Application Amount $1,353,370,000
Average Mortgage Loan Application Amount $256,563
Highest Mortgage Loan Application Amount $45,000,000
Average Applicant Income $104,281
Highest Applicant Income $4,396,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bremer Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bremer Bank, NA by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 430 $ 213,184,000 $ 495,776 $ 142,000
Olmsted, Minnesota 268 $ 85,614,000 $ 319,455 $ 122,000
Cass, North Dakota 233 $ 65,863,000 $ 282,673 $ 90,000
Stearns, Minnesota 226 $ 44,394,000 $ 196,433 $ 116,000
Dakota, Minnesota 202 $ 41,730,000 $ 206,584 $ 114,000
Douglas, Minnesota 180 $ 31,785,000 $ 176,583 $ 97,000
Ramsey, Minnesota 161 $ 46,771,000 $ 290,503 $ 88,000
Crow Wing, Minnesota 146 $ 29,931,000 $ 205,006 $ 108,000
Otter Tail, Minnesota 140 $ 22,194,000 $ 158,528 $ 130,000
Kandiyohi, Minnesota 137 $ 23,129,000 $ 168,824 $ 97,000
Washington, Minnesota 131 $ 49,308,000 $ 376,396 $ 134,000
Becker, Minnesota 129 $ 24,454,000 $ 189,565 $ 105,000
Grand Forks, North Dakota 111 $ 20,826,000 $ 187,621 $ 99,000
Polk, Minnesota 110 $ 17,506,000 $ 159,145 $ 83,000
Lyon, Minnesota 106 $ 14,621,000 $ 137,933 $ 80,000
Dunn, Wisconsin 104 $ 14,278,000 $ 137,288 $ 98,000
Clay, Minnesota 101 $ 30,156,000 $ 298,574 $ 96,000
Blue Earth, Minnesota 93 $ 17,258,000 $ 185,569 $ 92,000
St. Croix, Wisconsin 84 $ 16,674,000 $ 198,500 $ 104,000
Winona, Minnesota 83 $ 12,922,000 $ 155,686 $ 116,000
Dodge, Minnesota 81 $ 13,384,000 $ 165,234 $ 85,000
Benton, Minnesota 75 $ 14,440,000 $ 192,533 $ 86,000
Ward, North Dakota 71 $ 17,261,000 $ 243,112 $ 107,000
Steele, Minnesota 69 $ 14,777,000 $ 214,159 $ 84,000
Eau Claire, Wisconsin 69 $ 12,312,000 $ 178,434 $ 71,000
La Crosse, Wisconsin 67 $ 17,729,000 $ 264,611 $ 124,000
Redwood, Minnesota 66 $ 6,474,000 $ 98,090 $ 75,000
Wright, Minnesota 66 $ 14,082,000 $ 213,363 $ 98,000
Anoka, Minnesota 65 $ 21,743,000 $ 334,507 $ 93,000
Sherburne, Minnesota 60 $ 12,139,000 $ 202,316 $ 109,000
Polk, Wisconsin 58 $ 8,510,000 $ 146,724 $ 102,000
Carver, Minnesota 56 $ 12,848,000 $ 229,428 $ 94,000
Richland, North Dakota 55 $ 7,821,000 $ 142,200 $ 87,000
Nicollet, Minnesota 53 $ 9,987,000 $ 188,433 $ 100,000
Burleigh, North Dakota 52 $ 14,567,000 $ 280,134 $ 108,000
Mower, Minnesota 49 $ 3,381,000 $ 69,000 $ 96,000
Wilkin, Minnesota 47 $ 4,892,000 $ 104,085 $ 57,000
Burnett, Wisconsin 46 $ 6,870,000 $ 149,347 $ 78,000
Stevens, Minnesota 39 $ 5,197,000 $ 133,256 $ 84,000
Cass, Minnesota 38 $ 10,331,000 $ 271,868 $ 153,000
Scott, Minnesota 38 $ 35,597,000 $ 936,763 $ 104,000
Pope, Minnesota 33 $ 5,004,000 $ 151,636 $ 85,000
Mille Lacs, Minnesota 32 $ 4,037,000 $ 126,156 $ 71,000
Koochiching, Minnesota 31 $ 2,386,000 $ 76,967 $ 48,000
Marshall, Minnesota 31 $ 3,456,000 $ 111,483 $ 71,000
Bayfield, Wisconsin 31 $ 4,309,000 $ 139,000 $ 93,000
Aitkin, Minnesota 29 $ 3,915,000 $ 135,000 $ 78,000
Chippewa, Wisconsin 29 $ 8,708,000 $ 300,275 $ 84,000
Houston, Minnesota 26 $ 3,891,000 $ 149,653 $ 80,000
Morrison, Minnesota 26 $ 4,512,000 $ 173,538 $ 71,000
Ramsey, North Dakota 21 $ 2,411,000 $ 114,809 $ 80,000
St. Louis, Minnesota 20 $ 9,407,000 $ 470,350 $ 59,000
Monroe, Wisconsin 19 $ 2,523,000 $ 132,789 $ 87,000
Foster, North Dakota 18 $ 2,656,000 $ 147,555 $ 80,000
Maricopa, Arizona 17 $ 6,068,000 $ 356,941 $ 288,000
Le Sueur, Minnesota 17 $ 3,435,000 $ 202,058 $ 120,000
Walsh, North Dakota 16 $ 1,707,000 $ 106,687 $ 72,000
Morton, North Dakota 15 $ 13,925,000 $ 928,333 $ 80,000
Isanti, Minnesota 14 $ 8,464,000 $ 604,571 $ 66,000
Wabasha, Minnesota 14 $ 2,905,000 $ 207,500 $ 162,000
Pierce, Wisconsin 14 $ 2,881,000 $ 205,785 $ 78,000
Chisago, Minnesota 13 $ 2,129,000 $ 163,769 $ 86,000
Goodhue, Minnesota 13 $ 10,632,000 $ 817,846 $ 107,000
Hubbard, Minnesota 12 $ 2,815,000 $ 234,583 $ 112,000
Todd, Minnesota 12 $ 4,396,000 $ 366,333 $ 97,000
Grant, Minnesota 11 $ 1,499,000 $ 136,272 $ 59,000
Ransom, North Dakota 11 $ 1,528,000 $ 138,909 $ 78,000
Beltrami, Minnesota 10 $ 2,190,000 $ 219,000 $ 150,000
Yellow Medicine, Minnesota 10 $ 1,227,000 $ 122,700 $ 120,000
Pierce, North Dakota 10 $ 1,604,000 $ 160,400 $ 104,000
McLeod, Minnesota 9 $ 3,048,000 $ 338,666 $ 54,000
Fillmore, Minnesota 8 $ 1,174,000 $ 146,750 $ 62,000
Rice, Minnesota 8 $ 1,467,000 $ 183,375 $ 129,000
Barron, Wisconsin 8 $ 929,000 $ 116,125 $ 67,000
Meeker, Minnesota 7 $ 1,134,000 $ 162,000 $ 135,000
Pine, Minnesota 7 $ 1,290,000 $ 184,285 $ 85,000
Sargent, North Dakota 7 $ 1,063,000 $ 151,857 $ 78,000
Trempealeau, Wisconsin 7 $ 1,400,000 $ 200,000 $ 60,000
Collier, Florida 6 $ 3,229,000 $ 538,166 $ 603,000
Lincoln, Minnesota 6 $ 403,000 $ 67,166 $ 62,000
Renville, Minnesota 6 $ 676,000 $ 112,666 $ 62,000
Swift, Minnesota 6 $ 1,015,000 $ 169,166 $ 85,000
Pembina, North Dakota 6 $ 685,000 $ 114,166 $ 71,000
Ashland, Wisconsin 6 $ 953,000 $ 158,833 $ 111,000
Washburn, Wisconsin 6 $ 833,000 $ 138,833 $ 102,000
Murray, Minnesota 5 $ 665,000 $ 133,000 $ 94,000
Norman, Minnesota 5 $ 655,000 $ 131,000 $ 77,000
Waseca, Minnesota 5 $ 640,000 $ 128,000 $ 63,000
Rusk, Wisconsin 5 $ 1,012,000 $ 202,400 $ 99,000
Sawyer, Wisconsin 5 $ 1,008,000 $ 201,600 $ 133,000
Lee, Florida 4 $ 974,000 $ 243,500 $ 416,000
Chippewa, Minnesota 4 $ 302,000 $ 75,500 $ 41,000
Freeborn, Minnesota 4 $ 575,000 $ 143,750 $ 37,000
Itasca, Minnesota 4 $ 666,000 $ 166,500 $ 170,000
Kanabec, Minnesota 4 $ 1,032,000 $ 258,000 $ 107,000
Wadena, Minnesota 4 $ 531,000 $ 132,750 $ 53,000
Barnes, North Dakota 4 $ 829,000 $ 207,250 $ 88,000
Douglas, Wisconsin 4 $ 647,000 $ 161,750 $ 153,000
Vernon, Wisconsin 4 $ 703,000 $ 175,750 $ 65,000
Wood, Wisconsin 4 $ 743,000 $ 185,750 $ 95,000
Big Stone, Minnesota 3 $ 434,000 $ 144,666 $ 160,000
Brown, Minnesota 3 $ 608,000 $ 202,666 $ 39,000
Cook, Minnesota 3 $ 879,000 $ 293,000 $ 118,000
Faribault, Minnesota 3 $ 330,000 $ 110,000 $ 105,000
Mahnomen, Minnesota 3 $ 316,000 $ 105,333 $ 57,000
Pennington, Minnesota 3 $ 466,000 $ 155,333 $ 96,000
Red Lake, Minnesota 3 $ 373,000 $ 124,333 $ 76,000
Traverse, Minnesota 3 $ 485,000 $ 161,666 $ 94,000
Eddy, North Dakota 3 $ 203,000 $ 67,666 $ 66,000
Mercer, North Dakota 3 $ 585,000 $ 195,000 $ 111,000
Stark, North Dakota 3 $ 503,000 $ 167,666 $ 115,000
Lawrence, South Dakota 3 $ 1,480,000 $ 493,333 $ 786,000
Jackson, Wisconsin 3 $ 351,000 $ 117,000 $ 50,000
Jefferson, Wisconsin 3 $ 1,157,000 $ 385,666 $ 84,000
Pepin, Wisconsin 3 $ 296,000 $ 98,666 $ 61,000
Pinal, Arizona 2 $ 152,000 $ 76,000 $ 61,000
Yavapai, Arizona 2 $ 925,000 $ 462,500 $ 117,000
Pinellas, Florida 2 $ 524,000 $ 262,000 $ 672,000
Pipestone, Minnesota 2 $ 277,000 $ 138,500 $ 39,000
Benson, North Dakota 2 $ 210,000 $ 105,000 $ 205,000
Bottineau, North Dakota 2 $ 376,000 $ 188,000 $ 186,000
Cavalier, North Dakota 2 $ 164,000 $ 82,000 $ 53,000
Griggs, North Dakota 2 $ 208,000 $ 104,000 $ 113,000
Kidder, North Dakota 2 $ 292,000 $ 146,000 $ 161,000
McHenry, North Dakota 2 $ 581,000 $ 290,500 $ 136,000
McLean, North Dakota 2 $ 375,000 $ 187,500 $ 79,000
Stutsman, North Dakota 2 $ 254,000 $ 127,000 $ 37,000
Traill, North Dakota 2 $ 118,000 $ 59,000 $ 78,000
Wells, North Dakota 2 $ 489,000 $ 244,500 $ 81,000
Deuel, South Dakota 2 $ 452,000 $ 226,000 $ 102,000
Marshall, South Dakota 2 $ 545,000 $ 272,500 $ 144,000
Buffalo, Wisconsin 2 $ 217,000 $ 108,500 $ 57,000
Outagamie, Wisconsin 2 $ 17,088,000 $ 8,544,000 $ 37,000
Walworth, Wisconsin 2 $ 2,364,000 $ 1,182,000 $ 160,000
Winnebago, Wisconsin 2 $ 445,000 $ 222,500 $ 220,000
Pima, Arizona 1 $ 300,000 $ 300,000 $ 54,000
Brevard, Florida 1 $ 200,000 $ 200,000 $ 45,000
Citrus, Florida 1 $ 27,500,000 $ 27,500,000 $ 0
Hillsborough, Florida 1 $ 200,000 $ 200,000 $ 1,003,000
Orange, Florida 1 $ 676,000 $ 676,000 $ 339,000
Sarasota, Florida 1 $ 394,000 $ 394,000 $ 209,000
Sumter, Florida 1 $ 417,000 $ 417,000 $ 354,000
Volusia, Florida 1 $ 49,000 $ 49,000 $ 68,000
Ada, Idaho 1 $ 3,398,000 $ 3,398,000 $ 0
Polk, Iowa 1 $ 12,800,000 $ 12,800,000 $ 0
Johnson, Kansas 1 $ 16,920,000 $ 16,920,000 $ 0
Clearwater, Minnesota 1 $ 58,000 $ 58,000 $ 88,000
Lac qui Parle, Minnesota 1 $ 60,000 $ 60,000 $ 0
Lake, Minnesota 1 $ 50,000 $ 50,000 $ 79,000
Watonwan, Minnesota 1 $ 196,000 $ 196,000 $ 479,000
Emmons, North Dakota 1 $ 134,000 $ 134,000 $ 177,000
Mountrail, North Dakota 1 $ 254,000 $ 254,000 $ 70,000
Nelson, North Dakota 1 $ 149,000 $ 149,000 $ 51,000
Renville, North Dakota 1 $ 207,000 $ 207,000 $ 58,000
Towner, North Dakota 1 $ 100,000 $ 100,000 $ 77,000
Hamilton, Ohio 1 $ 9,001,000 $ 9,001,000 $ 0
Campbell, South Dakota 1 $ 391,000 $ 391,000 $ 78,000
Grant, South Dakota 1 $ 180,000 $ 180,000 $ 105,000
Hamlin, South Dakota 1 $ 226,000 $ 226,000 $ 59,000
Hutchinson, South Dakota 1 $ 132,000 $ 132,000 $ 108,000
Lincoln, South Dakota 1 $ 100,000 $ 100,000 $ 61,000
Meade, South Dakota 1 $ 260,000 $ 260,000 $ 242,000
Minnehaha, South Dakota 1 $ 96,000 $ 96,000 $ 31,000
Roberts, South Dakota 1 $ 51,000 $ 51,000 $ 102,000
Adams, Wisconsin 1 $ 95,000 $ 95,000 $ 60,000
Calumet, Wisconsin 1 $ 136,000 $ 136,000 $ 0
Dane, Wisconsin 1 $ 133,000 $ 133,000 $ 63,000
Price, Wisconsin 1 $ 27,000 $ 27,000 $ 37,000
Richland, Wisconsin 1 $ 417,000 $ 417,000 $ 404,000
Rock, Wisconsin 1 $ 194,000 $ 194,000 $ 68,000
Sauk, Wisconsin 1 $ 206,000 $ 206,000 $ 122,000
Taylor, Wisconsin 1 $ 290,000 $ 290,000 $ 133,000
Waukesha, Wisconsin 1 $ 214,000 $ 214,000 $ 91,000

Mortgage Loan Application Detail Totals for Bremer Bank, NA in 2016

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,967 $844,831,000 $284,000 $45,000,000 $98,000 $4,396,000
Refinancing 2,150 $483,525,000 $224,000 $10,480,000 $114,000 $3,192,000
Home Improvement 158 $25,014,000 $158,000 $9,001,000 $90,000 $631,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 4,282 $820,756,000 $191,000 $2,800,000 $109,000 $4,396,000
Not Provided 476 $83,131,000 $174,000 $1,161,000 $113,000 $1,563,000
Not applicable 228 $400,393,000 $1,756,000 $45,000,000 $14,000 $3,192,000
Hispanic 99 $15,305,000 $154,000 $690,000 $87,000 $491,000
Asian 80 $14,173,000 $177,000 $549,000 $89,000 $723,000
Black or African American 70 $13,521,000 $193,000 $1,290,000 $115,000 $1,063,000
American Indian or Alaskan Native 28 $3,727,000 $133,000 $312,000 $77,000 $379,000
Native Hawaiin or Other Pacific Islander 12 $2,364,000 $197,000 $491,000 $136,000 $341,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,477 $1,227,199,000 $274,000 $45,000,000 $112,000 $4,396,000
FHA-insured (Federal Housing Administration) 389 $59,327,000 $152,000 $332,000 $60,000 $273,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 216 $27,311,000 $126,000 $336,000 $50,000 $588,000
VA-guaranteed (Veterans Administration) 193 $39,533,000 $204,000 $417,000 $80,000 $252,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,169 $1,134,493,000 $272,000 $45,000,000 $106,000 $4,396,000
Application Withdrawn By Applicant 791 $162,798,000 $205,000 $2,750,000 $108,000 $1,308,000
Application Denied By Financial Institution 299 $43,692,000 $146,000 $2,300,000 $74,000 $1,236,000
Application Approved But Not Accepted 10 $11,606,000 $1,160,000 $10,480,000 $47,000 $155,000
File Closed For Incompleteness 6 $781,000 $130,000 $250,000 $56,000 $120,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 141 $17,066,000 $121,000 $1,161,000 $69,000 $1,236,000
Debt-To-Income Ratio 73 $13,236,000 $181,000 $2,300,000 $65,000 $404,000
Collateral 48 $7,069,000 $147,000 $550,000 $97,000 $323,000
Other 12 $1,814,000 $151,000 $275,000 $60,000 $106,000
Employment History 10 $2,488,000 $248,000 $1,470,000 $99,000 $326,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,109,000 $158,000 $349,000 $100,000 $281,000
Unverifiable Information 4 $565,000 $141,000 $167,000 $78,000 $240,000
Credit Application Incomplete 4 $345,000 $86,000 $153,000 $84,000 $180,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bremer Bank, NA's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bremer Bank, NA's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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