Applications / Mortgage Analytics / Lenders / Minnesota / Bremer Bank
Saint Paul, MN · National bank · OCC · $16.4 billion assets · 509 loans in 2025
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509
loans originated, 2025
675
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bremer Bank is a Minnesota national bank whose reported loans fell 73% to 509 in 2025, while its share rose around Eau Claire and Madison.
It reported 509 loans in 2025, against 1,857 in 2024 and 8,460 in 2020, while similar lenders (national banks making between half and twice as many loans) grew 5% and the whole market 10%. It also reported no higher-priced loans, after 8.8% in 2024. The data here cannot say whether this reflects fewer loans made or a change in what is reported.
In Minneapolis-St. Paul-Bloomington it ranked 82 of 688 lenders with 0.2%, down 0.6 points; Bell Bank led. In Eau Claire it ranked 3 of 220 with 4.6%, up 4.0 points, behind Royal Credit Union and Rocket Mortgage, and in Madison its share rose 0.5 points. Against a falling count, that points to a possible shift in where it lends.
Low- and moderate-income (LMI) borrowers took 31.8% of its loans, against 26.4% at similar lenders, more than about seven in ten of them. LMI areas took 13.6%, a little below peers' 15.5%. Purchases made up 40.1% of its loans and refinances 26.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bremer Bank took 675 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.1% · Other 28.7% · Refinance 26.5% · Home improvement 4.7%
Conventional 96.3% · FHA 2.0% · USDA (RHS or FSA) 1.0% · VA 0.8% · of 509 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 391 | 76.8% |
| North Dakota | 61 | 12.0% |
| Wisconsin | 43 | 8.4% |
| Florida | 6 | 1.2% |
| Arizona | 5 | 1.0% |
| Colorado | 1 | 0.2% |
| Ohio | 1 | 0.2% |
| South Dakota | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 125 |
| Rochester | 46 |
| Grand Forks | 29 |
| St. Cloud | 27 |
| Fargo | 17 |
| Mankato | 7 |
| Eau Claire | 6 |
| Phoenix-Mesa-Chandler | 5 |
| Bismarck | 4 |
| Cape Coral-Fort Myers | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930082GM1TWV6QVI24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 800657 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312923 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 123290 | 1997–2016 |
| Respondent ID (the HMDA filer code before 2018) | 9800657 | 2017–2017 |
Established 19 November 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bremer Bank's data.
Bremer Bank's data
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Bremer Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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