Bremer Bank NA Mortgage Lending & HMDA Data, 2020
In 2020, Bremer Bank NA of Saint Paul, MN reported 10,685 mortgage applications totaling $2.6 billion, up 70% from 2019. The average application was for $244,912, and applicants reported an average income of $134,632. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (2,878), Rochester, MN (818) and St. Cloud, MN (675) (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 | 10,685 |
| Total Mortgage Loan Application Amount | $2,616,885,000 |
| Average Mortgage Loan Application Amount | $244,912 |
| Highest Mortgage Loan Application Amount | $49,155,000 |
| Average Applicant Income | $134,632 |
| Highest Applicant Income | $4,519,000 |
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Act (HMDA) records Bremer Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 4,447 | $ 851,205,000 | $ 191,411 | $ 117,954 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,878 | $ 877,700,000 | $ 304,968 | $ 145,859 |
| Rochester, MN | 818 | $ 213,460,000 | $ 260,953 | $ 163,000 |
| St. Cloud, MN | 675 | $ 145,315,000 | $ 215,281 | $ 135,000 |
| Fargo, ND-MN | 470 | $ 128,610,000 | $ 273,638 | $ 122,659 |
| Grand Forks, ND-MN | 453 | $ 93,525,000 | $ 206,456 | $ 150,403 |
| Mankato-North Mankato, MN | 244 | $ 62,600,000 | $ 256,557 | $ 140,000 |
| Eau Claire, WI | 171 | $ 58,035,000 | $ 339,385 | $ 89,000 |
| Bismarck, ND | 147 | $ 44,475,000 | $ 302,551 | $ 154,000 |
| La Crosse-Onalaska, WI-MN | 135 | $ 26,895,000 | $ 199,222 | $ 120,266 |
| Duluth, MN-WI | 63 | $ 17,545,000 | $ 278,492 | $ 146,841 |
| Phoenix-Mesa-Scottsdale, AZ | 41 | $ 15,085,000 | $ 367,926 | $ 236,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 6,330,000 | $ 351,666 | $ 322,000 |
| Madison, WI | 9 | $ 18,455,000 | $ 2,050,555 | $ 204,000 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 4,045,000 | $ 449,444 | $ 377,000 |
| Tucson, AZ | 9 | $ 2,175,000 | $ 241,666 | $ 119,000 |
| Wausau, WI | 9 | $ 1,885,000 | $ 209,444 | $ 97,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 1,725,000 | $ 246,428 | $ 247,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,290,000 | $ 215,000 | $ 140,000 |
| Sioux Falls, SD | 5 | $ 1,285,000 | $ 257,000 | $ 225,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,730,000 | $ 432,500 | $ 555,000 |
| Jacksonville, FL | 4 | $ 1,790,000 | $ 447,500 | $ 177,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,160,000 | $ 290,000 | $ 136,000 |
| Port St. Lucie, FL | 4 | $ 610,000 | $ 152,500 | $ 90,000 |
| Des Moines-West Des Moines, IA | 3 | $ 575,000 | $ 191,666 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,245,000 | $ 415,000 | $ 169,000 |
| Lakeland-Winter Haven, FL | 3 | $ 1,185,000 | $ 395,000 | $ 224,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 705,000 | $ 235,000 | $ 228,000 |
| Ocala, FL | 3 | $ 1,855,000 | $ 618,333 | $ 525,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 955,000 | $ 318,333 | $ 289,000 |
| Oshkosh-Neenah, WI | 3 | $ 525,000 | $ 175,000 | $ 158,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 935,000 | $ 311,666 | $ 144,000 |
| Dallas-Plano-Irving, TX | 2 | $ 670,000 | $ 335,000 | $ 499,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 620,000 | $ 310,000 | $ 222,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 290,000 | $ 145,000 | $ 69,000 |
| Appleton, WI | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Grand Junction, CO | 1 | $ 385,000 | $ 385,000 | $ 517,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Greeley, CO | 1 | $ 765,000 | $ 765,000 | $ 860,000 |
| Green Bay, WI | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Homosassa Springs, FL | 1 | $ 365,000 | $ 365,000 | $ 364,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 725,000 | $ 725,000 | $ 650,000 |
| New Orleans-Metairie, LA | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Racine, WI | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Sebastian-Vero Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| St. Louis, MO-IL | 1 | $ 23,005,000 | $ 23,005,000 | $ 0 |
| The Villages, FL | 1 | $ 365,000 | $ 365,000 | $ 151,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 2,965,000 | $ 2,965,000 | $ 4,519,000 |
| Yuma, AZ | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Bremer Bank NA in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,570 | $1,252,080,000 | $273,000 | $23,005,000 | $145,000 | $4,407,000 |
| Home Purchase | 2,812 | $802,040,000 | $285,000 | $49,155,000 | $115,000 | $4,519,000 |
| Cash-out Refinancing | 2,114 | $474,820,000 | $224,000 | $1,605,000 | $132,000 | $3,528,000 |
| Other Purpose | 948 | $73,370,000 | $77,000 | $815,000 | $154,000 | $1,991,000 |
| Home Improvement | 241 | $14,575,000 | $60,000 | $625,000 | $114,000 | $577,000 |
| 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 | 8,141 | $1,880,255,000 | $230,000 | $7,995,000 | $129,000 | $4,519,000 |
| Not Provided | 1,903 | $328,635,000 | $172,000 | $2,005,000 | $162,000 | $3,781,000 |
| Not applicable | 198 | $306,500,000 | $1,547,000 | $49,155,000 | $0 | $0 |
| Black or African American | 148 | $35,500,000 | $239,000 | $1,235,000 | $98,000 | $851,000 |
| Asian | 139 | $34,245,000 | $246,000 | $745,000 | $152,000 | $1,214,000 |
| Hispanic | 86 | $17,610,000 | $204,000 | $655,000 | $104,000 | $430,000 |
| American Indian or Alaskan Native | 51 | $9,185,000 | $180,000 | $585,000 | $88,000 | $468,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $425,000 | $141,000 | $155,000 | $93,000 | $150,000 |
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) | 10,277 | $2,540,805,000 | $247,000 | $49,155,000 | $138,000 | $4,519,000 |
| FHA-insured (Federal Housing Administration) | 188 | $34,830,000 | $185,000 | $375,000 | $62,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 111 | $24,555,000 | $221,000 | $445,000 | $81,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $16,695,000 | $153,000 | $295,000 | $53,000 | $116,000 |
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 | 8,460 | $2,111,370,000 | $249,000 | $49,155,000 | $136,000 | $4,519,000 |
| Application Withdrawn By Applicant | 1,383 | $341,265,000 | $246,000 | $7,995,000 | $144,000 | $3,840,000 |
| Application Denied By Financial Institution | 490 | $71,760,000 | $146,000 | $1,205,000 | $88,000 | $743,000 |
| Application Approved But Not Accepted | 229 | $68,315,000 | $298,000 | $3,395,000 | $168,000 | $1,707,000 |
| Loan Purchased By The Institution | 90 | $18,390,000 | $204,000 | $315,000 | $54,000 | $78,000 |
| File Closed For Incompleteness | 33 | $5,785,000 | $175,000 | $1,015,000 | $111,000 | $517,000 |
| 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 | 10,195 | $2,545,125,000 | $249,000 | $49,155,000 | $137,000 | $4,519,000 |
| Debt-To-Income Ratio | 208 | $32,800,000 | $157,000 | $885,000 | $70,000 | $623,000 |
| Credit History | 202 | $27,250,000 | $134,000 | $1,205,000 | $90,000 | $465,000 |
| Collateral | 59 | $7,815,000 | $132,000 | $725,000 | $132,000 | $743,000 |
| Other | 8 | $1,800,000 | $225,000 | $405,000 | $124,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $800,000 | $133,000 | $245,000 | $65,000 | $82,000 |
| Employment History | 5 | $975,000 | $195,000 | $375,000 | $159,000 | $450,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $235,000 | $140,000 | $238,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bremer Bank NA's 2020 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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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