Bremer Bank, National Association
Bremer Bank, National Association received 675 applications in 2025 and made 509 mortgages, in 108 counties across 8 states. The median rate its borrowers got was 7.150% on a median loan of $175,000. Of 602 decisions, 91 were denials — 15.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930082GM1TWV6QVI24 |
|---|---|
| Applications received | 675 |
| Mortgages made | 509 |
| Denied | 91 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 73 |
| Loans bought from other lenders | 35 |
| Median rate spread over the prime offer rate | -0.35 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 204 | 6.625% | $235,000 | 8.5% |
| Refinancing | 106 | 8.800% | $140,000 | 13.1% |
| Cash-out refinancing | 29 | 6.500% | $195,000 | 23.7% |
| Other purposes | 170 | 8.800% | $105,000 | 21.5% |
Where Bremer Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 46 | 8.050% | 16.4% |
| Olmsted County, MN | 31 | 6.625% | 18.4% |
| Stearns County, MN | 22 | 8.800% | 8.3% |
| Douglas County, MN | 21 | 8.800% | 16.0% |
| Kandiyohi County, MN | 21 | 6.625% | 19.2% |
| Otter Tail County, MN | 20 | 6.750% | 4.8% |
| Polk County, MN | 15 | 8.800% | 6.3% |
| Wright County, MN | 15 | 6.875% | 0.0% |
| Cass County, ND | 15 | 7.000% | 21.1% |
| Grand Forks County, ND | 14 | 6.813% | 6.7% |
| Lyon County, MN | 13 | 7.125% | 13.3% |
| Becker County, MN | 11 | 7.000% | 8.3% |
| Redwood County, MN | 11 | 8.800% | 8.3% |
| Dakota County, MN | 10 | 7.000% | 23.1% |
| Ramsey County, MN | 10 | 7.125% | 16.7% |
| Sherburne County, MN | 10 | 8.800% | 0.0% |
| Winona County, MN | 10 | 7.000% | 9.1% |
| Crow Wing County, MN | 9 | Under 10 loans | 18.2% |
| Dodge County, MN | 9 | Under 10 loans | 18.2% |
| Washington County, MN | 9 | Under 10 loans | 16.7% |
| Polk County, WI | 7 | Under 10 loans | 0.0% |
| Morrison County, MN | 6 | Under 10 loans | 14.3% |
| Steele County, MN | 6 | Under 10 loans | 25.0% |
| Burnett County, WI | 6 | Under 10 loans | 33.3% |
| Dunn County, WI | 6 | Under 10 loans | 25.0% |
| St. Croix County, WI | 6 | Under 10 loans | 14.3% |
| Maricopa County, AZ | 5 | Under 10 loans | 0.0% |
| Benton County, MN | 5 | Under 10 loans | 16.7% |
| Carver County, MN | 5 | Under 10 loans | 0.0% |
| Ramsey County, ND | 5 | Under 10 loans | 16.7% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Anoka County, MN | 4 | Under 10 loans | 20.0% |
| Blue Earth County, MN | 4 | Under 10 loans | 20.0% |
| Marshall County, MN | 4 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 4 | Under 10 loans | 20.0% |
| Mower County, MN | 4 | Under 10 loans | 33.3% |
| Stevens County, MN | 4 | Under 10 loans | 33.3% |
| Richland County, ND | 4 | Under 10 loans | 33.3% |
| Walsh County, ND | 4 | Under 10 loans | 33.3% |
| Eau Claire County, WI | 4 | Under 10 loans | 0.0% |
| Cass County, MN | 3 | Under 10 loans | 25.0% |
| Chisago County, MN | 3 | Under 10 loans | 0.0% |
| Fillmore County, MN | 3 | Under 10 loans | 0.0% |
| Koochiching County, MN | 3 | Under 10 loans | 0.0% |
| Nicollet County, MN | 3 | Under 10 loans | 25.0% |
| Wabasha County, MN | 3 | Under 10 loans | 0.0% |
| Burleigh County, ND | 3 | Under 10 loans | 25.0% |
| Ransom County, ND | 3 | Under 10 loans | 0.0% |
| Bayfield County, WI | 3 | Under 10 loans | 57.1% |
| Aitkin County, MN | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.