Bremer Bank, NA Mortgage Lending & HMDA Data, 2015

In 2015, Bremer Bank, NA of St. Paul, MN reported 4,829 mortgage applications totaling $1.2 billion, up 19% from 2014. The average application was for $241,830, and applicants reported an average income of $100,734. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,172), Rochester, MN (311) and St. Cloud, MN (293) (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 4,829
Total Mortgage Loan Application Amount $1,167,801,000
Average Mortgage Loan Application Amount $241,830
Highest Mortgage Loan Application Amount $36,200,000
Average Applicant Income $100,734
Highest Applicant Income $5,044,000

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Act (HMDA) records Bremer Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 349 $ 130,973,000 $ 375,280 $ 114,000
Douglas, Minnesota 239 $ 39,842,000 $ 166,702 $ 92,000
Stearns, Minnesota 218 $ 41,567,000 $ 190,674 $ 112,000
Olmsted, Minnesota 217 $ 121,591,000 $ 560,327 $ 143,000
Ramsey, Minnesota 192 $ 73,258,000 $ 381,552 $ 101,000
Cass, North Dakota 148 $ 61,364,000 $ 414,621 $ 91,000
Becker, Minnesota 141 $ 21,487,000 $ 152,390 $ 95,000
Crow Wing, Minnesota 141 $ 25,919,000 $ 183,822 $ 98,000
Washington, Minnesota 134 $ 27,680,000 $ 206,567 $ 109,000
Otter Tail, Minnesota 130 $ 21,539,000 $ 165,684 $ 87,000
Dakota, Minnesota 129 $ 23,954,000 $ 185,689 $ 88,000
Kandiyohi, Minnesota 127 $ 24,416,000 $ 192,251 $ 155,000
Polk, Minnesota 120 $ 13,981,000 $ 116,508 $ 69,000
Grand Forks, North Dakota 114 $ 20,082,000 $ 176,157 $ 108,000
Ward, North Dakota 98 $ 21,977,000 $ 224,255 $ 103,000
St. Croix, Wisconsin 92 $ 15,187,000 $ 165,076 $ 88,000
Dunn, Wisconsin 91 $ 13,144,000 $ 144,439 $ 110,000
Blue Earth, Minnesota 90 $ 17,535,000 $ 194,833 $ 93,000
Winona, Minnesota 87 $ 17,420,000 $ 200,229 $ 86,000
La Crosse, Wisconsin 82 $ 25,581,000 $ 311,963 $ 110,000
Benton, Minnesota 75 $ 12,177,000 $ 162,360 $ 82,000
Lyon, Minnesota 72 $ 9,325,000 $ 129,513 $ 72,000
Clay, Minnesota 69 $ 16,973,000 $ 245,985 $ 79,000
Dodge, Minnesota 69 $ 9,563,000 $ 138,594 $ 72,000
Anoka, Minnesota 65 $ 21,840,000 $ 336,000 $ 78,000
Polk, Wisconsin 65 $ 7,911,000 $ 121,707 $ 71,000
Redwood, Minnesota 63 $ 7,134,000 $ 113,238 $ 65,000
Burnett, Wisconsin 57 $ 7,822,000 $ 137,228 $ 89,000
Richland, North Dakota 56 $ 6,967,000 $ 124,410 $ 71,000
Nicollet, Minnesota 53 $ 8,899,000 $ 167,905 $ 82,000
Koochiching, Minnesota 51 $ 4,605,000 $ 90,294 $ 63,000
Mower, Minnesota 49 $ 7,709,000 $ 157,326 $ 78,000
Wright, Minnesota 46 $ 10,143,000 $ 220,500 $ 181,000
Sherburne, Minnesota 43 $ 9,440,000 $ 219,534 $ 91,000
Wilkin, Minnesota 43 $ 4,906,000 $ 114,093 $ 64,000
Aitkin, Minnesota 41 $ 5,064,000 $ 123,512 $ 74,000
Bayfield, Wisconsin 40 $ 5,145,000 $ 128,625 $ 121,000
Cass, Minnesota 37 $ 10,428,000 $ 281,837 $ 233,000
Eau Claire, Wisconsin 37 $ 42,022,000 $ 1,135,729 $ 68,000
Steele, Minnesota 35 $ 5,077,000 $ 145,057 $ 94,000
Burleigh, North Dakota 34 $ 47,200,000 $ 1,388,235 $ 199,000
Stevens, Minnesota 31 $ 3,080,000 $ 99,354 $ 55,000
Pope, Minnesota 30 $ 3,867,000 $ 128,900 $ 61,000
Carver, Minnesota 27 $ 6,506,000 $ 240,962 $ 107,000
Houston, Minnesota 27 $ 3,388,000 $ 125,481 $ 73,000
Morrison, Minnesota 27 $ 6,151,000 $ 227,814 $ 78,000
Mille Lacs, Minnesota 26 $ 2,969,000 $ 114,192 $ 140,000
Ramsey, North Dakota 24 $ 3,585,000 $ 149,375 $ 76,000
Marshall, Minnesota 23 $ 2,506,000 $ 108,956 $ 69,000
Scott, Minnesota 23 $ 5,106,000 $ 222,000 $ 115,000
Walsh, North Dakota 20 $ 1,982,000 $ 99,100 $ 90,000
Isanti, Minnesota 19 $ 5,838,000 $ 307,263 $ 87,000
Todd, Minnesota 19 $ 2,606,000 $ 137,157 $ 82,000
Morton, North Dakota 18 $ 3,391,000 $ 188,388 $ 113,000
Monroe, Wisconsin 17 $ 2,660,000 $ 156,470 $ 96,000
Maricopa, Arizona 16 $ 4,133,000 $ 258,312 $ 265,000
Chippewa, Wisconsin 16 $ 2,244,000 $ 140,250 $ 63,000
Wabasha, Minnesota 13 $ 2,889,000 $ 222,230 $ 220,000
Pierce, North Dakota 13 $ 1,387,000 $ 106,692 $ 60,000
Ransom, North Dakota 13 $ 1,203,000 $ 92,538 $ 69,000
Fillmore, Minnesota 12 $ 1,788,000 $ 149,000 $ 77,000
St. Louis, Minnesota 12 $ 2,640,000 $ 220,000 $ 91,000
Swift, Minnesota 11 $ 1,086,000 $ 98,727 $ 48,000
Pierce, Wisconsin 11 $ 1,554,000 $ 141,272 $ 59,000
Chisago, Minnesota 10 $ 1,683,000 $ 168,300 $ 72,000
Grant, Minnesota 10 $ 1,273,000 $ 127,300 $ 83,000
Rice, Minnesota 10 $ 2,073,000 $ 207,300 $ 99,000
Itasca, Minnesota 9 $ 1,818,000 $ 202,000 $ 136,000
Renville, Minnesota 9 $ 793,000 $ 88,111 $ 50,000
Sargent, North Dakota 9 $ 825,000 $ 91,666 $ 76,000
Sawyer, Wisconsin 9 $ 1,407,000 $ 156,333 $ 167,000
Meeker, Minnesota 8 $ 681,000 $ 85,125 $ 64,000
Stark, North Dakota 8 $ 1,500,000 $ 187,500 $ 111,000
Freeborn, Minnesota 7 $ 599,000 $ 85,571 $ 55,000
Washburn, Wisconsin 7 $ 1,160,000 $ 165,714 $ 113,000
Collier, Florida 6 $ 4,251,000 $ 708,500 $ 657,000
Lincoln, Minnesota 6 $ 594,000 $ 99,000 $ 65,000
Foster, North Dakota 6 $ 786,000 $ 131,000 $ 60,000
Traill, North Dakota 6 $ 566,000 $ 94,333 $ 70,000
Ashland, Wisconsin 6 $ 1,009,000 $ 168,166 $ 103,000
Pima, Arizona 5 $ 1,154,000 $ 230,800 $ 391,000
Lee, Florida 5 $ 1,506,000 $ 301,200 $ 90,000
Beltrami, Minnesota 5 $ 788,000 $ 157,600 $ 91,000
Goodhue, Minnesota 5 $ 767,000 $ 153,400 $ 64,000
Le Sueur, Minnesota 5 $ 927,000 $ 185,400 $ 101,000
McLeod, Minnesota 5 $ 704,000 $ 140,800 $ 85,000
Norman, Minnesota 5 $ 775,000 $ 155,000 $ 55,000
Pine, Minnesota 5 $ 474,000 $ 94,800 $ 68,000
Red Lake, Minnesota 5 $ 485,000 $ 97,000 $ 52,000
Waseca, Minnesota 5 $ 624,000 $ 124,800 $ 50,000
Barron, Wisconsin 5 $ 3,157,000 $ 631,400 $ 56,000
Trempealeau, Wisconsin 5 $ 901,000 $ 180,200 $ 78,000
Clearwater, Minnesota 4 $ 572,000 $ 143,000 $ 148,000
Faribault, Minnesota 4 $ 409,000 $ 102,250 $ 43,000
Roseau, Minnesota 4 $ 783,000 $ 195,750 $ 27,000
Wadena, Minnesota 4 $ 404,000 $ 101,000 $ 46,000
Benson, North Dakota 4 $ 839,000 $ 209,750 $ 128,000
Buffalo, Wisconsin 4 $ 517,000 $ 129,250 $ 60,000
Rusk, Wisconsin 4 $ 392,000 $ 98,000 $ 113,000
Pinellas, Florida 3 $ 655,000 $ 218,333 $ 174,000
Sarasota, Florida 3 $ 363,000 $ 121,000 $ 154,000
Sumter, Florida 3 $ 740,000 $ 246,666 $ 265,000
Chippewa, Minnesota 3 $ 645,000 $ 215,000 $ 67,000
Hubbard, Minnesota 3 $ 545,000 $ 181,666 $ 82,000
Lake of the Woods, Minnesota 3 $ 402,000 $ 134,000 $ 98,000
Yellow Medicine, Minnesota 3 $ 376,000 $ 125,333 $ 69,000
Nelson, North Dakota 3 $ 208,000 $ 69,333 $ 151,000
Dane, Wisconsin 3 $ 1,138,000 $ 379,333 $ 51,000
Douglas, Wisconsin 3 $ 477,000 $ 159,000 $ 133,000
Jackson, Wisconsin 3 $ 658,000 $ 219,333 $ 126,000
Pepin, Wisconsin 3 $ 527,000 $ 175,666 $ 140,000
Vernon, Wisconsin 3 $ 328,000 $ 109,333 $ 36,000
Gunnison, Colorado 2 $ 834,000 $ 417,000 $ 179,000
Big Stone, Minnesota 2 $ 206,000 $ 103,000 $ 72,000
Brown, Minnesota 2 $ 320,000 $ 160,000 $ 177,000
Kittson, Minnesota 2 $ 81,000 $ 40,500 $ 56,000
Mahnomen, Minnesota 2 $ 296,000 $ 148,000 $ 67,000
Martin, Minnesota 2 $ 140,000 $ 70,000 $ 52,000
Murray, Minnesota 2 $ 406,000 $ 203,000 $ 119,000
Pennington, Minnesota 2 $ 234,000 $ 117,000 $ 75,000
Watonwan, Minnesota 2 $ 150,000 $ 75,000 $ 33,000
Dickey, North Dakota 2 $ 413,000 $ 206,500 $ 116,000
McLean, North Dakota 2 $ 518,000 $ 259,000 $ 96,000
Mountrail, North Dakota 2 $ 262,000 $ 131,000 $ 70,000
Pembina, North Dakota 2 $ 95,000 $ 47,500 $ 62,000
Renville, North Dakota 2 $ 315,000 $ 157,500 $ 81,000
Roberts, South Dakota 2 $ 206,000 $ 103,000 $ 98,000
Winnebago, Wisconsin 2 $ 388,000 $ 194,000 $ 114,000
Coconino, Arizona 1 $ 303,000 $ 303,000 $ 140,000
Pinal, Arizona 1 $ 104,000 $ 104,000 $ 58,000
Yavapai, Arizona 1 $ 155,000 $ 155,000 $ 57,000
Charlotte, Florida 1 $ 172,000 $ 172,000 $ 272,000
Hillsborough, Florida 1 $ 148,000 $ 148,000 $ 64,000
Orange, Florida 1 $ 136,000 $ 136,000 $ 219,000
Carlton, Minnesota 1 $ 124,000 $ 124,000 $ 31,000
Cook, Minnesota 1 $ 1,224,000 $ 1,224,000 $ 1,030,000
Jackson, Minnesota 1 $ 274,000 $ 274,000 $ 95,000
Kanabec, Minnesota 1 $ 140,000 $ 140,000 $ 55,000
Pipestone, Minnesota 1 $ 65,000 $ 65,000 $ 59,000
Sibley, Minnesota 1 $ 257,000 $ 257,000 $ 94,000
Traverse, Minnesota 1 $ 280,000 $ 280,000 $ 180,000
St. Louis, Missouri 1 $ 100,000 $ 100,000 $ 190,000
Douglas, Nebraska 1 $ 14,000,000 $ 14,000,000 $ 0
Washington, Nebraska 1 $ 128,000 $ 128,000 $ 70,000
Bottineau, North Dakota 1 $ 177,000 $ 177,000 $ 48,000
Cavalier, North Dakota 1 $ 40,000 $ 40,000 $ 30,000
Eddy, North Dakota 1 $ 75,000 $ 75,000 $ 49,000
LaMoure, North Dakota 1 $ 342,000 $ 342,000 $ 77,000
McHenry, North Dakota 1 $ 170,000 $ 170,000 $ 81,000
McKenzie, North Dakota 1 $ 6,000,000 $ 6,000,000 $ 0
Rolette, North Dakota 1 $ 76,000 $ 76,000 $ 60,000
Wells, North Dakota 1 $ 85,000 $ 85,000 $ 46,000
Lawrence, South Dakota 1 $ 883,000 $ 883,000 $ 1,425,000
Minnehaha, South Dakota 1 $ 160,000 $ 160,000 $ 54,000
Adams, Wisconsin 1 $ 340,000 $ 340,000 $ 99,000
Columbia, Wisconsin 1 $ 51,000 $ 51,000 $ 84,000
Dodge, Wisconsin 1 $ 131,000 $ 131,000 $ 52,000
Green Lake, Wisconsin 1 $ 71,000 $ 71,000 $ 68,000
Milwaukee, Wisconsin 1 $ 191,000 $ 191,000 $ 110,000
Price, Wisconsin 1 $ 76,000 $ 76,000 $ 96,000
Taylor, Wisconsin 1 $ 53,000 $ 53,000 $ 71,000
Waupaca, Wisconsin 1 $ 56,000 $ 56,000 $ 73,000

Mortgage Loan Application Detail Totals for Bremer Bank, NA in 2015

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 2,696 $706,599,000 $262,000 $36,200,000 $95,000 $5,044,000
Refinancing 1,846 $429,704,000 $232,000 $20,243,000 $110,000 $3,055,000
Home Improvement 287 $31,498,000 $109,000 $1,600,000 $95,000 $1,233,000

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 3,950 $699,612,000 $177,000 $3,070,000 $106,000 $5,044,000
Not Provided 521 $64,787,000 $124,000 $1,140,000 $95,000 $2,587,000
Not applicable 161 $369,773,000 $2,296,000 $36,200,000 $0 $0
Asian 64 $13,159,000 $205,000 $1,676,000 $125,000 $782,000
Hispanic 54 $8,192,000 $151,000 $708,000 $71,000 $410,000
Black or African American 52 $8,069,000 $155,000 $660,000 $78,000 $416,000
American Indian or Alaskan Native 18 $2,537,000 $140,000 $346,000 $60,000 $151,000
Native Hawaiian or Other Pacific Islander 9 $1,672,000 $185,000 $309,000 $70,000 $132,000

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) 4,024 $1,044,488,000 $259,000 $36,200,000 $109,000 $5,044,000
FHA-insured (Federal Housing Administration) 416 $61,597,000 $148,000 $328,000 $60,000 $323,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 210 $25,512,000 $121,000 $285,000 $45,000 $107,000
VA-guaranteed (Veterans Administration) 179 $36,204,000 $202,000 $417,000 $73,000 $390,000

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 3,726 $972,879,000 $261,000 $36,200,000 $102,000 $5,044,000
Application Withdrawn By Applicant 702 $138,457,000 $197,000 $3,070,000 $110,000 $2,180,000
Application Denied By Financial Institution 337 $42,852,000 $127,000 $6,000,000 $59,000 $607,000
Application Approved But Not Accepted 56 $11,313,000 $202,000 $1,154,000 $124,000 $675,000
File Closed For Incompleteness 8 $2,300,000 $287,000 $679,000 $184,000 $659,000
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 160 $13,736,000 $85,000 $600,000 $49,000 $358,000
Debt-To-Income Ratio 85 $11,683,000 $137,000 $530,000 $56,000 $230,000
Collateral 50 $5,473,000 $109,000 $545,000 $107,000 $607,000
Credit Application Incomplete 25 $3,227,000 $129,000 $417,000 $40,000 $196,000
Employment History 11 $2,057,000 $187,000 $522,000 $65,000 $140,000
Other 4 $6,431,000 $1,607,000 $6,000,000 $51,000 $121,000
Unverifiable Information 1 $130,000 $130,000 $130,000 $44,000 $44,000
Insufficient Cash (Downpayment, Closing Cost) 1 $115,000 $115,000 $115,000 $51,000 $51,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bremer Bank, NA's 2015 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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