Bremer Bank NA Mortgage Lending & HMDA Data, 2017

In 2017, Bremer Bank NA of Saint Paul, MN reported 4,501 mortgage applications totaling $1.1 billion. The average application was for $238,376, and applicants reported an average income of $104,918. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,210), Rochester, MN (291) and St. Cloud, MN (263) (applications in parentheses).

Mortgage Company & Address Bremer Bank NA
372 Saint Peter Street
Saint Paul, MN 55102
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 4,501
Total Mortgage Loan Application Amount $1,072,931,000
Average Mortgage Loan Application Amount $238,376
Highest Mortgage Loan Application Amount $47,750,000
Average Applicant Income $104,918
Highest Applicant Income $4,731,000

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Act (HMDA) records Bremer Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 396 $ 175,656,000 $ 443,575 $ 144,000
Stearns, Minnesota 204 $ 45,370,000 $ 222,401 $ 114,000
Olmsted, Minnesota 202 $ 51,163,000 $ 253,282 $ 184,000
Ramsey, Minnesota 161 $ 29,513,000 $ 183,310 $ 92,000
Dakota, Minnesota 160 $ 32,461,000 $ 202,881 $ 103,000
Cass, North Dakota 160 $ 63,853,000 $ 399,081 $ 102,000
Douglas, Minnesota 153 $ 30,997,000 $ 202,594 $ 83,000
Crow Wing, Minnesota 124 $ 32,363,000 $ 260,991 $ 102,000
Otter Tail, Minnesota 124 $ 22,594,000 $ 182,209 $ 105,000
Polk, Minnesota 119 $ 17,263,000 $ 145,067 $ 94,000
Becker, Minnesota 107 $ 17,079,000 $ 159,616 $ 122,000
Kandiyohi, Minnesota 106 $ 18,046,000 $ 170,245 $ 94,000
Washington, Minnesota 102 $ 27,632,000 $ 270,901 $ 133,000
Grand Forks, North Dakota 98 $ 17,198,000 $ 175,489 $ 100,000
Eau Claire, Wisconsin 93 $ 36,608,000 $ 393,634 $ 76,000
Lyon, Minnesota 81 $ 9,995,000 $ 123,395 $ 75,000
Winona, Minnesota 80 $ 12,166,000 $ 152,075 $ 113,000
La Crosse, Wisconsin 80 $ 18,444,000 $ 230,550 $ 97,000
Blue Earth, Minnesota 79 $ 13,001,000 $ 164,569 $ 72,000
Dunn, Wisconsin 73 $ 11,526,000 $ 157,890 $ 75,000
Carver, Minnesota 68 $ 17,520,000 $ 257,647 $ 124,000
St. Croix, Wisconsin 64 $ 12,102,000 $ 189,093 $ 96,000
Dodge, Minnesota 61 $ 10,422,000 $ 170,852 $ 92,000
Benton, Minnesota 59 $ 13,434,000 $ 227,694 $ 105,000
Wright, Minnesota 59 $ 14,422,000 $ 244,440 $ 90,000
Anoka, Minnesota 57 $ 12,341,000 $ 216,508 $ 88,000
Ward, North Dakota 57 $ 25,376,000 $ 445,192 $ 108,000
Richland, North Dakota 55 $ 8,710,000 $ 158,363 $ 85,000
Polk, Wisconsin 53 $ 8,321,000 $ 157,000 $ 91,000
Redwood, Minnesota 50 $ 6,085,000 $ 121,700 $ 79,000
Steele, Minnesota 49 $ 8,554,000 $ 174,571 $ 86,000
Wilkin, Minnesota 48 $ 6,970,000 $ 145,208 $ 66,000
Sherburne, Minnesota 43 $ 7,972,000 $ 185,395 $ 85,000
Clay, Minnesota 42 $ 8,148,000 $ 194,000 $ 73,000
Burnett, Wisconsin 39 $ 5,041,000 $ 129,256 $ 84,000
Stevens, Minnesota 38 $ 4,623,000 $ 121,657 $ 76,000
Koochiching, Minnesota 37 $ 3,524,000 $ 95,243 $ 67,000
Cass, Minnesota 34 $ 8,248,000 $ 242,588 $ 123,000
Nicollet, Minnesota 30 $ 5,108,000 $ 170,266 $ 75,000
Aitkin, Minnesota 29 $ 4,424,000 $ 152,551 $ 79,000
Burleigh, North Dakota 29 $ 10,500,000 $ 362,068 $ 173,000
Chippewa, Wisconsin 29 $ 4,945,000 $ 170,517 $ 92,000
Mower, Minnesota 26 $ 2,686,000 $ 103,307 $ 65,000
Morrison, Minnesota 25 $ 9,743,000 $ 389,720 $ 106,000
Houston, Minnesota 24 $ 3,140,000 $ 130,833 $ 72,000
Mille Lacs, Minnesota 23 $ 3,886,000 $ 168,956 $ 82,000
Bayfield, Wisconsin 22 $ 2,345,000 $ 106,590 $ 87,000
Scott, Minnesota 21 $ 5,848,000 $ 278,476 $ 108,000
Pope, Minnesota 19 $ 2,663,000 $ 140,157 $ 73,000
Ramsey, North Dakota 18 $ 2,995,000 $ 166,388 $ 81,000
Foster, North Dakota 17 $ 3,495,000 $ 205,588 $ 105,000
Fillmore, Minnesota 16 $ 2,107,000 $ 131,687 $ 84,000
Le Sueur, Minnesota 16 $ 3,283,000 $ 205,187 $ 108,000
Walsh, North Dakota 16 $ 1,516,000 $ 94,750 $ 68,000
Monroe, Wisconsin 16 $ 2,600,000 $ 162,500 $ 86,000
Barron, Wisconsin 14 $ 1,930,000 $ 137,857 $ 58,000
Pierce, Wisconsin 14 $ 3,540,000 $ 252,857 $ 244,000
Goodhue, Minnesota 13 $ 2,398,000 $ 184,461 $ 87,000
Marshall, Minnesota 13 $ 1,573,000 $ 121,000 $ 57,000
Wabasha, Minnesota 12 $ 2,376,000 $ 198,000 $ 86,000
Portage, Wisconsin 12 $ 1,959,000 $ 163,250 $ 98,000
Chisago, Minnesota 11 $ 1,782,000 $ 162,000 $ 55,000
Freeborn, Minnesota 11 $ 1,151,000 $ 104,636 $ 42,000
Grant, Minnesota 11 $ 1,040,000 $ 94,545 $ 60,000
Meeker, Minnesota 11 $ 1,828,000 $ 166,181 $ 81,000
St. Louis, Minnesota 11 $ 1,663,000 $ 151,181 $ 43,000
Morton, North Dakota 11 $ 3,768,000 $ 342,545 $ 87,000
Itasca, Minnesota 10 $ 1,245,000 $ 124,500 $ 88,000
Ransom, North Dakota 10 $ 1,162,000 $ 116,200 $ 94,000
Buffalo, Wisconsin 10 $ 1,414,000 $ 141,400 $ 63,000
Vernon, Wisconsin 10 $ 1,704,000 $ 170,400 $ 59,000
Rice, Minnesota 9 $ 2,766,000 $ 307,333 $ 115,000
Todd, Minnesota 9 $ 1,464,000 $ 162,666 $ 83,000
Sargent, North Dakota 9 $ 2,104,000 $ 233,777 $ 79,000
Isanti, Minnesota 8 $ 944,000 $ 118,000 $ 49,000
Pierce, North Dakota 8 $ 961,000 $ 120,125 $ 96,000
Maricopa, Arizona 7 $ 1,674,000 $ 239,142 $ 141,000
Lincoln, Minnesota 7 $ 1,120,000 $ 160,000 $ 86,000
McLeod, Minnesota 7 $ 1,294,000 $ 184,857 $ 94,000
Sibley, Minnesota 7 $ 874,000 $ 124,857 $ 51,000
Waseca, Minnesota 7 $ 791,000 $ 113,000 $ 62,000
Trempealeau, Wisconsin 7 $ 721,000 $ 103,000 $ 59,000
Cook, Minnesota 6 $ 2,088,000 $ 348,000 $ 234,000
Murray, Minnesota 6 $ 741,000 $ 123,500 $ 114,000
Stark, North Dakota 6 $ 605,000 $ 100,833 $ 46,000
Chippewa, Minnesota 5 $ 488,000 $ 97,600 $ 60,000
Pennington, Minnesota 5 $ 644,000 $ 128,800 $ 78,000
Pine, Minnesota 5 $ 1,427,000 $ 285,400 $ 498,000
Swift, Minnesota 5 $ 479,000 $ 95,800 $ 52,000
Yellow Medicine, Minnesota 5 $ 517,000 $ 103,400 $ 111,000
Mountrail, North Dakota 5 $ 1,205,000 $ 241,000 $ 91,000
Traill, North Dakota 5 $ 526,000 $ 105,200 $ 50,000
Ashland, Wisconsin 5 $ 1,459,000 $ 291,800 $ 315,000
Rusk, Wisconsin 5 $ 376,000 $ 75,200 $ 87,000
Wood, Wisconsin 5 $ 529,000 $ 105,800 $ 62,000
Pinal, Arizona 4 $ 697,000 $ 174,250 $ 175,000
Lee, Florida 4 $ 1,150,000 $ 287,500 $ 461,000
Beltrami, Minnesota 4 $ 612,000 $ 153,000 $ 140,000
Brown, Minnesota 4 $ 529,000 $ 132,250 $ 53,000
Hubbard, Minnesota 4 $ 14,618,000 $ 3,654,500 $ 108,000
Kanabec, Minnesota 4 $ 641,000 $ 160,250 $ 82,000
Norman, Minnesota 4 $ 419,000 $ 104,750 $ 64,000
Renville, Minnesota 4 $ 673,000 $ 168,250 $ 170,000
Wadena, Minnesota 4 $ 538,000 $ 134,500 $ 49,000
Benson, North Dakota 4 $ 719,000 $ 179,750 $ 139,000
Dane, Wisconsin 4 $ 2,011,000 $ 502,750 $ 0
Washburn, Wisconsin 4 $ 392,000 $ 98,000 $ 101,000
Collier, Florida 3 $ 762,000 $ 254,000 $ 481,000
Big Stone, Minnesota 3 $ 266,000 $ 88,666 $ 125,000
Kittson, Minnesota 3 $ 114,000 $ 38,000 $ 52,000
Burke, North Dakota 3 $ 509,000 $ 169,666 $ 117,000
Dickey, North Dakota 3 $ 318,000 $ 106,000 $ 108,000
Douglas, Wisconsin 3 $ 3,420,000 $ 1,140,000 $ 110,000
Brevard, Florida 2 $ 986,000 $ 493,000 $ 246,000
Hillsborough, Florida 2 $ 274,000 $ 137,000 $ 378,000
Johnson, Iowa 2 $ 23,069,000 $ 11,534,500 $ 0
Clearwater, Minnesota 2 $ 262,000 $ 131,000 $ 63,000
Lake, Minnesota 2 $ 396,000 $ 198,000 $ 276,000
Martin, Minnesota 2 $ 278,000 $ 139,000 $ 107,000
Nobles, Minnesota 2 $ 188,000 $ 94,000 $ 54,000
Red Lake, Minnesota 2 $ 244,000 $ 122,000 $ 69,000
Traverse, Minnesota 2 $ 441,000 $ 220,500 $ 116,000
Bottineau, North Dakota 2 $ 134,000 $ 67,000 $ 142,000
McHenry, North Dakota 2 $ 279,000 $ 139,500 $ 69,000
McLean, North Dakota 2 $ 575,000 $ 287,500 $ 100,000
Mercer, North Dakota 2 $ 366,000 $ 183,000 $ 101,000
Pembina, North Dakota 2 $ 100,000 $ 50,000 $ 55,000
Wells, North Dakota 2 $ 303,000 $ 151,500 $ 144,000
Adams, Wisconsin 2 $ 135,000 $ 67,500 $ 58,000
Columbia, Wisconsin 2 $ 421,000 $ 210,500 $ 34,000
Crawford, Wisconsin 2 $ 162,000 $ 81,000 $ 64,000
Jackson, Wisconsin 2 $ 368,000 $ 184,000 $ 66,000
Ozaukee, Wisconsin 2 $ 481,000 $ 240,500 $ 92,000
Pepin, Wisconsin 2 $ 207,000 $ 103,500 $ 52,000
Sawyer, Wisconsin 2 $ 618,000 $ 309,000 $ 179,000
Taylor, Wisconsin 2 $ 344,000 $ 172,000 $ 97,000
Vilas, Wisconsin 2 $ 188,000 $ 94,000 $ 101,000
Waupaca, Wisconsin 2 $ 582,000 $ 291,000 $ 132,000
Waushara, Wisconsin 2 $ 488,000 $ 244,000 $ 77,000
Mohave, Arizona 1 $ 192,000 $ 192,000 $ 72,000
Pima, Arizona 1 $ 350,000 $ 350,000 $ 72,000
Charlotte, Florida 1 $ 75,000 $ 75,000 $ 63,000
Pinellas, Florida 1 $ 224,000 $ 224,000 $ 81,000
Polk, Florida 1 $ 74,000 $ 74,000 $ 18,000
Dubuque, Iowa 1 $ 33,000 $ 33,000 $ 132,000
Carlton, Minnesota 1 $ 128,000 $ 128,000 $ 102,000
Pipestone, Minnesota 1 $ 143,000 $ 143,000 $ 89,000
Rock, Minnesota 1 $ 151,000 $ 151,000 $ 50,000
Watonwan, Minnesota 1 $ 36,000 $ 36,000 $ 29,000
Broadwater, Montana 1 $ 151,000 $ 151,000 $ 0
Madison, Montana 1 $ 350,000 $ 350,000 $ 192,000
Barnes, North Dakota 1 $ 109,000 $ 109,000 $ 48,000
Bowman, North Dakota 1 $ 124,000 $ 124,000 $ 106,000
Eddy, North Dakota 1 $ 88,000 $ 88,000 $ 44,000
Kidder, North Dakota 1 $ 224,000 $ 224,000 $ 101,000
LaMoure, North Dakota 1 $ 336,000 $ 336,000 $ 95,000
Renville, North Dakota 1 $ 64,000 $ 64,000 $ 50,000
Steele, North Dakota 1 $ 199,000 $ 199,000 $ 409,000
Towner, North Dakota 1 $ 99,000 $ 99,000 $ 100,000
Williams, North Dakota 1 $ 144,000 $ 144,000 $ 55,000
Brookings, South Dakota 1 $ 106,000 $ 106,000 $ 173,000
Brown, South Dakota 1 $ 40,000 $ 40,000 $ 0
Lawrence, South Dakota 1 $ 562,000 $ 562,000 $ 42,000
Minnehaha, South Dakota 1 $ 176,000 $ 176,000 $ 163,000
Roberts, South Dakota 1 $ 25,000 $ 25,000 $ 131,000
Door, Wisconsin 1 $ 158,000 $ 158,000 $ 0
Grant, Wisconsin 1 $ 166,000 $ 166,000 $ 82,000
Juneau, Wisconsin 1 $ 157,000 $ 157,000 $ 62,000
Kewaunee, Wisconsin 1 $ 144,000 $ 144,000 $ 79,000
Lincoln, Wisconsin 1 $ 76,000 $ 76,000 $ 47,000
Milwaukee, Wisconsin 1 $ 100,000 $ 100,000 $ 103,000
Outagamie, Wisconsin 1 $ 675,000 $ 675,000 $ 362,000
Sauk, Wisconsin 1 $ 225,000 $ 225,000 $ 97,000
Waukesha, Wisconsin 1 $ 13,600,000 $ 13,600,000 $ 0
Winnebago, Wisconsin 1 $ 195,000 $ 195,000 $ 72,000

Mortgage Loan Application Detail Totals for Bremer Bank NA in 2017

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 2,949 $710,317,000 $240,000 $47,750,000 $102,000 $3,349,000
Refinancing 1,373 $322,044,000 $234,000 $22,480,000 $113,000 $4,731,000
Home Improvement 179 $40,570,000 $226,000 $17,500,000 $91,000 $1,372,000

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 3,645 $711,313,000 $195,000 $6,200,000 $108,000 $4,731,000
Not Provided 462 $76,665,000 $165,000 $1,045,000 $113,000 $2,231,000
Not applicable 136 $239,523,000 $1,761,000 $47,750,000 $0 $0
Black or African American 90 $15,261,000 $169,000 $1,260,000 $74,000 $542,000
Asian 71 $15,868,000 $223,000 $1,260,000 $140,000 $753,000
Hispanic 69 $10,288,000 $149,000 $503,000 $74,000 $611,000
American Indian or Alaskan Native 20 $2,759,000 $137,000 $565,000 $59,000 $281,000
Native Hawaiian or Other Pacific Islander 8 $1,254,000 $156,000 $220,000 $75,000 $148,000

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) 3,730 $944,305,000 $253,000 $47,750,000 $113,000 $4,731,000
FHA-insured (Federal Housing Administration) 347 $56,509,000 $162,000 $338,000 $62,000 $218,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 233 $30,756,000 $132,000 $353,000 $49,000 $123,000
VA-guaranteed (Veterans Administration) 191 $41,361,000 $216,000 $460,000 $79,000 $344,000

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 3,492 $883,059,000 $252,000 $47,750,000 $107,000 $4,731,000
Application Withdrawn By Applicant 478 $99,473,000 $208,000 $6,200,000 $107,000 $1,399,000
Application Denied By Financial Institution 362 $56,725,000 $156,000 $1,040,000 $73,000 $1,182,000
File Closed For Incompleteness 65 $15,733,000 $242,000 $1,086,000 $161,000 $1,620,000
Application Approved But Not Accepted 57 $11,225,000 $196,000 $700,000 $144,000 $1,387,000
Loan Purchased By The Institution 47 $6,716,000 $142,000 $255,000 $44,000 $68,000
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 135 $18,544,000 $137,000 $840,000 $65,000 $498,000
Debt-To-Income Ratio 113 $16,873,000 $149,000 $925,000 $52,000 $171,000
Collateral 55 $11,047,000 $200,000 $1,040,000 $133,000 $1,182,000
Insufficient Cash (Downpayment, Closing Cost) 17 $3,619,000 $212,000 $440,000 $112,000 $283,000
Other 16 $2,576,000 $161,000 $680,000 $61,000 $161,000
Employment History 15 $2,625,000 $175,000 $310,000 $56,000 $110,000
Credit Application Incomplete 7 $605,000 $86,000 $300,000 $76,000 $168,000
Unverifiable Information 4 $836,000 $209,000 $398,000 $74,000 $195,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bremer Bank NA's 2017 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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