Looking for a different lender?
B
Bremer Bank, National Association
Bank|St. Paul, MN|Multi-Region
Loans Originated
913
Applications
1,164
Volume
$282 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.223%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,838
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
Bremer Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$309,929
Average Borrower Income
$172,755
Average Property Value
$419,896
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 803 | 88.0% | +0.216% | $2,749 |
FHA Loans | Strong | Strong | Sound | Strong | 52 | 5.7% | +0.474% | $2,757 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 13 | 1.4% | -0.372% | $2,039 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 35 | 3.8% | +0.341% | $6,353 |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 1.1% | +0.287% | $2,027 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 749 | 82.0% | +0.216% | $3,011 |
Refinance | Strong | Strong | Sound | Strong | 164 | 18.0% | +0.253% | $2,105 |
Geographic Coverage
Metro Areas
7
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCOFLIAMNNDSDWIWY
Top Metro Areas by Place Specialization Score
1
Grand Forks, ND, ND-MNMSA
Volume: 49Mix: 5.37%
Place Specialization
Exceptional
2
Rochester, MN, MNMSA
Volume: 77Mix: 8.43%
Place Specialization
Strong
3
Minneapolis, MN-WIMSA
Volume: 204Mix: 22.34%
Place Specialization
Strong
4
Mankato, MN, MNMSA
Volume: 31Mix: 3.40%
Place Specialization
Strong
5
Fargo, ND, ND-MNMSA
Volume: 69Mix: 7.56%
Place Specialization
Strong
6
St. Cloud, MN, MNMSA
Volume: 42Mix: 4.60%
Place Specialization
Strong
7
Phoenix, AZMSA
Volume: 11Mix: 1.20%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
MNState
Volume: 716Mix: 78.42%
Place Specialization
Exceptional
2
NDState
Volume: 118Mix: 12.92%
Place Specialization
Strong
3
WIState
Volume: 53Mix: 5.81%
Place Specialization
Sound
4
AZState
Volume: 11Mix: 1.20%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare Bremer Bank, National Association with other lenders or get personalized recommendations.