Bremer Bank NA Mortgage Lending & HMDA Data, 2018

In 2018, Bremer Bank NA of Saint Paul, MN reported 5,912 mortgage applications totaling $1.2 billion, up 31% from 2017. The average application was for $202,543, and applicants reported an average income of $116,482. 75% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,577), Rochester, MN (464) and Grand Forks, ND-MN (309) (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 5,912
Total Mortgage Loan Application Amount $1,197,440,000
Average Mortgage Loan Application Amount $202,543
Highest Mortgage Loan Application Amount $35,005,000
Average Applicant Income $116,482
Highest Applicant Income $2,386,000

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Act (HMDA) records Bremer Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 464 $ 173,020,000 $ 372,887 $ 161,000
Olmsted, Minnesota 349 $ 78,005,000 $ 223,510 $ 165,000
Ramsey, Minnesota 219 $ 38,315,000 $ 174,954 $ 112,000
Douglas, Minnesota 218 $ 31,660,000 $ 145,229 $ 114,000
Stearns, Minnesota 208 $ 35,870,000 $ 172,451 $ 132,000
Dakota, Minnesota 205 $ 42,235,000 $ 206,024 $ 93,000
Otter Tail, Minnesota 173 $ 27,965,000 $ 161,647 $ 123,000
Polk, Minnesota 169 $ 21,815,000 $ 129,082 $ 88,000
Washington, Minnesota 156 $ 38,280,000 $ 245,384 $ 178,000
Kandiyohi, Minnesota 152 $ 20,250,000 $ 133,223 $ 94,000
Crow Wing, Minnesota 148 $ 28,490,000 $ 192,500 $ 131,000
Grand Forks, North Dakota 140 $ 23,580,000 $ 168,428 $ 134,000
Becker, Minnesota 126 $ 18,000,000 $ 142,857 $ 106,000
Dunn, Wisconsin 121 $ 15,555,000 $ 128,553 $ 86,000
Eau Claire, Wisconsin 110 $ 15,100,000 $ 137,272 $ 84,000
Lyon, Minnesota 109 $ 12,485,000 $ 114,541 $ 115,000
Cass, North Dakota 102 $ 32,790,000 $ 321,470 $ 155,000
St. Croix, Wisconsin 101 $ 16,895,000 $ 167,277 $ 107,000
Blue Earth, Minnesota 100 $ 23,620,000 $ 236,200 $ 108,000
Winona, Minnesota 95 $ 11,285,000 $ 118,789 $ 121,000
Burnett, Wisconsin 95 $ 8,905,000 $ 93,736 $ 81,000
Benton, Minnesota 87 $ 11,315,000 $ 130,057 $ 97,000
La Crosse, Wisconsin 85 $ 44,265,000 $ 520,764 $ 111,000
Polk, Wisconsin 84 $ 10,940,000 $ 130,238 $ 97,000
Anoka, Minnesota 78 $ 23,320,000 $ 298,974 $ 89,000
Redwood, Minnesota 78 $ 7,090,000 $ 90,897 $ 79,000
Dodge, Minnesota 75 $ 10,445,000 $ 139,266 $ 107,000
Richland, North Dakota 72 $ 8,430,000 $ 117,083 $ 74,000
Carver, Minnesota 70 $ 45,640,000 $ 652,000 $ 112,000
Wright, Minnesota 69 $ 12,485,000 $ 180,942 $ 134,000
Ward, North Dakota 69 $ 12,205,000 $ 176,884 $ 90,000
Steele, Minnesota 66 $ 15,650,000 $ 237,121 $ 111,000
Wilkin, Minnesota 61 $ 6,465,000 $ 105,983 $ 69,000
Mower, Minnesota 60 $ 7,020,000 $ 117,000 $ 77,000
Sherburne, Minnesota 56 $ 9,980,000 $ 178,214 $ 98,000
Mille Lacs, Minnesota 53 $ 5,315,000 $ 100,283 $ 86,000
Cass, Minnesota 51 $ 10,425,000 $ 204,411 $ 197,000
Koochiching, Minnesota 51 $ 4,275,000 $ 83,823 $ 86,000
Stevens, Minnesota 51 $ 5,485,000 $ 107,549 $ 73,000
Scott, Minnesota 41 $ 8,755,000 $ 213,536 $ 124,000
Bayfield, Wisconsin 41 $ 4,175,000 $ 101,829 $ 74,000
Clay, Minnesota 40 $ 9,380,000 $ 234,500 $ 99,000
Marshall, Minnesota 38 $ 3,980,000 $ 104,736 $ 80,000
Burleigh, North Dakota 38 $ 11,270,000 $ 296,578 $ 222,000
Nicollet, Minnesota 36 $ 5,180,000 $ 143,888 $ 91,000
Chippewa, Wisconsin 33 $ 4,935,000 $ 149,545 $ 83,000
Aitkin, Minnesota 32 $ 3,730,000 $ 116,562 $ 112,000
Pope, Minnesota 30 $ 3,860,000 $ 128,666 $ 92,000
Pierce, North Dakota 29 $ 2,815,000 $ 97,068 $ 111,000
Houston, Minnesota 26 $ 3,050,000 $ 117,307 $ 72,000
Morrison, Minnesota 26 $ 3,890,000 $ 149,615 $ 101,000
St. Louis, Minnesota 23 $ 5,665,000 $ 246,304 $ 134,000
Barron, Wisconsin 23 $ 2,715,000 $ 118,043 $ 117,000
Fillmore, Minnesota 22 $ 2,000,000 $ 90,909 $ 112,000
Ramsey, North Dakota 21 $ 2,345,000 $ 111,666 $ 74,000
Walsh, North Dakota 21 $ 1,855,000 $ 88,333 $ 87,000
Isanti, Minnesota 20 $ 7,760,000 $ 388,000 $ 82,000
Monroe, Wisconsin 19 $ 3,085,000 $ 162,368 $ 69,000
Maricopa, Arizona 18 $ 8,070,000 $ 448,333 $ 130,000
Wabasha, Minnesota 18 $ 2,690,000 $ 149,444 $ 143,000
Pierce, Wisconsin 16 $ 2,640,000 $ 165,000 $ 89,000
Hubbard, Minnesota 15 $ 3,035,000 $ 202,333 $ 162,000
Foster, North Dakota 15 $ 1,795,000 $ 119,666 $ 195,000
Portage, Wisconsin 14 $ 2,270,000 $ 162,142 $ 93,000
Goodhue, Minnesota 13 $ 2,245,000 $ 172,692 $ 69,000
Todd, Minnesota 13 $ 1,485,000 $ 114,230 $ 62,000
Morton, North Dakota 13 $ 2,905,000 $ 223,461 $ 173,000
Ransom, North Dakota 12 $ 1,330,000 $ 110,833 $ 93,000
Jackson, Wisconsin 12 $ 1,200,000 $ 100,000 $ 55,000
Trempealeau, Wisconsin 12 $ 1,400,000 $ 116,666 $ 77,000
Chisago, Minnesota 11 $ 1,265,000 $ 115,000 $ 67,000
Freeborn, Minnesota 10 $ 1,060,000 $ 106,000 $ 71,000
Le Sueur, Minnesota 10 $ 2,040,000 $ 204,000 $ 89,000
Lincoln, Minnesota 10 $ 1,400,000 $ 140,000 $ 95,000
Renville, Minnesota 10 $ 790,000 $ 79,000 $ 69,000
Grant, Minnesota 9 $ 725,000 $ 80,555 $ 67,000
Stutsman, North Dakota 9 $ 1,225,000 $ 136,111 $ 79,000
Rice, Minnesota 8 $ 1,910,000 $ 238,750 $ 131,000
Sibley, Minnesota 8 $ 1,410,000 $ 176,250 $ 81,000
Swift, Minnesota 8 $ 940,000 $ 117,500 $ 67,000
Stark, North Dakota 8 $ 1,400,000 $ 175,000 $ 67,000
Ashland, Wisconsin 8 $ 1,130,000 $ 141,250 $ 92,000
Chippewa, Minnesota 7 $ 555,000 $ 79,285 $ 55,000
Meeker, Minnesota 7 $ 1,065,000 $ 152,142 $ 87,000
Wood, Wisconsin 7 $ 575,000 $ 82,142 $ 73,000
Pinal, Arizona 6 $ 1,860,000 $ 310,000 $ 161,000
Beltrami, Minnesota 6 $ 1,880,000 $ 313,333 $ 150,000
McLeod, Minnesota 6 $ 970,000 $ 161,666 $ 91,000
Wadena, Minnesota 6 $ 3,250,000 $ 541,666 $ 169,000
Yellow Medicine, Minnesota 6 $ 280,000 $ 46,666 $ 45,000
McLean, North Dakota 6 $ 1,230,000 $ 205,000 $ 219,000
Pepin, Wisconsin 6 $ 400,000 $ 66,666 $ 140,000
Sawyer, Wisconsin 6 $ 630,000 $ 105,000 $ 145,000
Washburn, Wisconsin 6 $ 1,170,000 $ 195,000 $ 149,000
Brown, Minnesota 5 $ 615,000 $ 123,000 $ 60,000
Carlton, Minnesota 5 $ 1,065,000 $ 213,000 $ 147,000
Faribault, Minnesota 5 $ 545,000 $ 109,000 $ 68,000
Itasca, Minnesota 5 $ 685,000 $ 137,000 $ 96,000
Kanabec, Minnesota 5 $ 505,000 $ 101,000 $ 69,000
Murray, Minnesota 5 $ 405,000 $ 81,000 $ 83,000
Benson, North Dakota 5 $ 615,000 $ 123,000 $ 84,000
Sargent, North Dakota 5 $ 345,000 $ 69,000 $ 98,000
Buffalo, Wisconsin 5 $ 425,000 $ 85,000 $ 41,000
Douglas, Wisconsin 5 $ 935,000 $ 187,000 $ 210,000
Vernon, Wisconsin 5 $ 555,000 $ 111,000 $ 84,000
Norman, Minnesota 4 $ 220,000 $ 55,000 $ 38,000
Pennington, Minnesota 4 $ 6,510,000 $ 1,627,500 $ 81,000
Red Lake, Minnesota 4 $ 380,000 $ 95,000 $ 68,000
Waseca, Minnesota 4 $ 300,000 $ 75,000 $ 61,000
Mountrail, North Dakota 4 $ 830,000 $ 207,500 $ 99,000
Clark, Wisconsin 4 $ 240,000 $ 60,000 $ 46,000
Dane, Wisconsin 4 $ 860,000 $ 215,000 $ 102,000
Marion, Florida 3 $ 1,695,000 $ 565,000 $ 827,000
Lake of the Woods, Minnesota 3 $ 445,000 $ 148,333 $ 109,000
Griggs, North Dakota 3 $ 355,000 $ 118,333 $ 279,000
Traill, North Dakota 3 $ 505,000 $ 168,333 $ 159,000
Grant, Wisconsin 3 $ 215,000 $ 71,666 $ 46,000
Winnebago, Wisconsin 3 $ 225,000 $ 75,000 $ 54,000
Pima, Arizona 2 $ 440,000 $ 220,000 $ 148,000
Collier, Florida 2 $ 1,260,000 $ 630,000 $ 297,000
Lee, Florida 2 $ 830,000 $ 415,000 $ 263,000
Martin, Florida 2 $ 450,000 $ 225,000 $ 309,000
Orange, Florida 2 $ 190,000 $ 95,000 $ 75,000
Pinellas, Florida 2 $ 500,000 $ 250,000 $ 175,000
Polk, Iowa 2 $ 14,650,000 $ 7,325,000 $ 0
Worth, Iowa 2 $ 140,000 $ 70,000 $ 158,000
Clearwater, Minnesota 2 $ 80,000 $ 40,000 $ 44,000
Cook, Minnesota 2 $ 850,000 $ 425,000 $ 0
Kittson, Minnesota 2 $ 380,000 $ 190,000 $ 108,000
Lake, Minnesota 2 $ 240,000 $ 120,000 $ 74,000
Mahnomen, Minnesota 2 $ 80,000 $ 40,000 $ 53,000
Martin, Minnesota 2 $ 90,000 $ 45,000 $ 74,000
Pine, Minnesota 2 $ 340,000 $ 170,000 $ 66,000
Roseau, Minnesota 2 $ 370,000 $ 185,000 $ 58,000
Barnes, North Dakota 2 $ 170,000 $ 85,000 $ 57,000
Bottineau, North Dakota 2 $ 240,000 $ 120,000 $ 65,000
McHenry, North Dakota 2 $ 310,000 $ 155,000 $ 65,000
Mercer, North Dakota 2 $ 440,000 $ 220,000 $ 83,000
Pembina, North Dakota 2 $ 180,000 $ 90,000 $ 29,000
Renville, North Dakota 2 $ 230,000 $ 115,000 $ 75,000
Wells, North Dakota 2 $ 60,000 $ 30,000 $ 46,000
Williams, North Dakota 2 $ 600,000 $ 300,000 $ 133,000
Adams, Wisconsin 2 $ 140,000 $ 70,000 $ 47,000
Door, Wisconsin 2 $ 290,000 $ 145,000 $ 209,000
Juneau, Wisconsin 2 $ 100,000 $ 50,000 $ 34,000
Marathon, Wisconsin 2 $ 770,000 $ 385,000 $ 230,000
Racine, Wisconsin 2 $ 190,000 $ 95,000 $ 160,000
Waushara, Wisconsin 2 $ 360,000 $ 180,000 $ 102,000
Santa Cruz, Arizona 1 $ 105,000 $ 105,000 $ 90,000
Manatee, Florida 1 $ 135,000 $ 135,000 $ 185,000
Osceola, Florida 1 $ 285,000 $ 285,000 $ 416,000
Polk, Florida 1 $ 30,365,000 $ 30,365,000 $ 0
St. Johns, Florida 1 $ 305,000 $ 305,000 $ 97,000
Volusia, Florida 1 $ 255,000 $ 255,000 $ 0
Dickinson, Iowa 1 $ 25,000 $ 25,000 $ 192,000
Cottonwood, Minnesota 1 $ 185,000 $ 185,000 $ 91,000
Lac qui Parle, Minnesota 1 $ 255,000 $ 255,000 $ 87,000
Nobles, Minnesota 1 $ 15,000 $ 15,000 $ 37,000
Traverse, Minnesota 1 $ 155,000 $ 155,000 $ 88,000
Watonwan, Minnesota 1 $ 105,000 $ 105,000 $ 67,000
Carbon, Montana 1 $ 55,000 $ 55,000 $ 656,000
Roosevelt, Montana 1 $ 335,000 $ 335,000 $ 0
Clark, Nevada 1 $ 375,000 $ 375,000 $ 437,000
Dickey, North Dakota 1 $ 185,000 $ 185,000 $ 102,000
Dunn, North Dakota 1 $ 365,000 $ 365,000 $ 183,000
Eddy, North Dakota 1 $ 45,000 $ 45,000 $ 99,000
Hettinger, North Dakota 1 $ 35,000 $ 35,000 $ 39,000
Sheridan, North Dakota 1 $ 55,000 $ 55,000 $ 24,000
Steele, North Dakota 1 $ 105,000 $ 105,000 $ 125,000
Custer, South Dakota 1 $ 395,000 $ 395,000 $ 0
Hamlin, South Dakota 1 $ 475,000 $ 475,000 $ 110,000
Roberts, South Dakota 1 $ 135,000 $ 135,000 $ 117,000
Calumet, Wisconsin 1 $ 295,000 $ 295,000 $ 100,000
Columbia, Wisconsin 1 $ 125,000 $ 125,000 $ 161,000
Iron, Wisconsin 1 $ 95,000 $ 95,000 $ 137,000
Milwaukee, Wisconsin 1 $ 515,000 $ 515,000 $ 349,000
Outagamie, Wisconsin 1 $ 65,000 $ 65,000 $ 45,000
Shawano, Wisconsin 1 $ 65,000 $ 65,000 $ 171,000
Vilas, Wisconsin 1 $ 95,000 $ 95,000 $ 70,000
Waukesha, Wisconsin 1 $ 395,000 $ 395,000 $ 150,000

Mortgage Loan Application Detail Totals for Bremer Bank NA in 2018

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 2,984 $753,770,000 $252,000 $35,005,000 $103,000 $1,562,000
Other Purpose 1,033 $73,435,000 $71,000 $1,005,000 $135,000 $2,386,000
Refinancing 835 $192,415,000 $230,000 $4,985,000 $147,000 $2,359,000
Cash-out Refinancing 689 $126,385,000 $183,000 $1,405,000 $105,000 $1,004,000
Home Improvement 371 $51,435,000 $138,000 $26,495,000 $126,000 $1,968,000
Not Applicable 0 $0 $0 $0 $0 $0

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 3,967 $701,265,000 $176,000 $3,035,000 $107,000 $1,956,000
Not Provided 1,500 $202,870,000 $135,000 $2,225,000 $149,000 $2,386,000
Not applicable 130 $243,010,000 $1,869,000 $35,005,000 $52,000 $52,000
Black or African American 128 $20,010,000 $156,000 $385,000 $63,000 $539,000
Asian 81 $14,675,000 $181,000 $625,000 $93,000 $524,000
Hispanic 75 $11,615,000 $154,000 $575,000 $81,000 $345,000
American Indian or Alaskan Native 22 $2,610,000 $118,000 $375,000 $76,000 $475,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 5,358 $1,104,370,000 $206,000 $35,005,000 $122,000 $2,386,000
FHA-insured (Federal Housing Administration) 228 $36,230,000 $158,000 $365,000 $61,000 $152,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 165 $20,925,000 $126,000 $275,000 $52,000 $424,000
VA-guaranteed (Veterans Administration) 161 $35,915,000 $223,000 $525,000 $82,000 $360,000

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 4,455 $964,785,000 $216,000 $35,005,000 $123,000 $2,386,000
Application Denied By Financial Institution 639 $71,135,000 $111,000 $1,055,000 $79,000 $966,000
Application Withdrawn By Applicant 512 $100,180,000 $195,000 $2,005,000 $111,000 $1,084,000
Application Approved But Not Accepted 122 $24,280,000 $199,000 $1,025,000 $114,000 $759,000
Loan Purchased By The Institution 100 $15,270,000 $152,000 $285,000 $46,000 $77,000
File Closed For Incompleteness 84 $21,790,000 $259,000 $2,225,000 $139,000 $2,359,000
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
Not applicable 5,273 $1,126,305,000 $213,000 $35,005,000 $120,000 $2,386,000
Credit History 263 $20,585,000 $78,000 $605,000 $81,000 $966,000
Debt-To-Income Ratio 206 $25,490,000 $123,000 $835,000 $61,000 $478,000
Collateral 98 $13,000,000 $132,000 $1,055,000 $103,000 $366,000
Other 44 $6,970,000 $158,000 $545,000 $113,000 $514,000
Employment History 11 $1,425,000 $129,000 $325,000 $52,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 8 $2,250,000 $281,000 $695,000 $92,000 $198,000
Unverifiable Information 8 $1,290,000 $161,000 $355,000 $57,000 $109,000
Credit Application Incomplete 1 $125,000 $125,000 $125,000 $44,000 $44,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bremer Bank NA's 2018 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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