# Bremer Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/bremer-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bremer Bank, National Association is a bank, headquartered in St. Paul, MN, serving borrowers across 9 states, with 913 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930082GM1TWV6QVI24
- **Headquarters:** St. Paul, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AZ, CO, FL, IA, MN, ND, SD, WI, WY
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.223%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,838
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 913
- **Dollar Volume:** $283 million
- **Applications Received:** 1,164
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $309,929
- **Average Borrower Income:** $172,755
- **Average Property Value:** $419,896

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 803 | +0.216% | $2,749 | Strong 😀 |
| FHA | 60/100 | 52 | +0.474% | $2,757 | Strong 😀 |
| VA | 39/100 | 13 | -0.372% | $2,039 | Acceptable 🙂 |
| Jumbo | 71/100 | 35 | +0.341% | $6,353 | Strong 😀 |
| USDA | 47/100 | 10 | +0.287% | $2,027 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 646 loans, Score: 74/100 (Strong)
- Refinance: 157 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 50 loans, Score: 60/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 749 | $233M | +0.216% | Strong 😀 |
| Refinance | 71/100 | 164 | $50M | +0.253% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 716 | 1.11% | 86/100 |
| ND | 118 | 1.61% | 72/100 |
| WI | 53 | 0.08% | 57/100 |
| AZ | 11 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 390 | 72/100 |
| Minneapolis | MN-WI | 204 | 73/100 |
| Rochester, MN | MN | 77 | 77/100 |
| Fargo, ND | ND-MN | 69 | 72/100 |
| Grand Forks, ND | ND-MN | 49 | 82/100 |
| St. Cloud, MN | MN | 42 | 67/100 |
| Mankato, MN | MN | 31 | 73/100 |
| Phoenix | AZ | 11 | 39/100 |

## Where This Lender Ranks

Bremer Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Mankato, MN Banks
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/banks)
- 🥈 **#2** in Grand Forks, ND Banks
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks)
- 🥈 **#2** in Mankato, MN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Grand Forks, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Grand Forks, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in St. Cloud, MN Banks
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/banks)
- 🥉 **#3** in Mankato, MN
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders)
- 🏆 **#4** in Rochester, MN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Fargo, ND Banks
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks)
- 🏆 **#4** in Fargo, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Grand Forks, ND
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders)
- 🏆 **#5** in Minnesota for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Fargo, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Grand Forks, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Grand Forks, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in St. Cloud, MN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Minnesota for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in North Dakota Banks
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks)
- 🏆 **#6** in North Dakota for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Mankato, MN for Conventional Loans
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Bremer Bank, National Association offer?

Bremer Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bremer Bank, National Association offer mortgages?

Bremer Bank, National Association offers mortgages in 9 states: AZ, CO, FL, IA, MN, ND, SD, WI, WY.

### How competitive are Bremer Bank, National Association's mortgage rates?

Bremer Bank, National Association has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.223% above market average.

### What type of lender is Bremer Bank, National Association?

Bremer Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in St. Paul, MN.

### What is Bremer Bank, National Association's loan approval success rate?

Bremer Bank, National Association has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bremer-bank-national-association

### How to Cite

> "Bremer Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bremer-bank-national-association

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