Bremer Bank Mortgage Rates, Fees & Info

St. Paul, MN

LEI: 54930082GM1TWV6QVI24

Tax ID: 41-0224890

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Bremer Bank is a small bank specializing in Home Purchase and Refi loans. Bremer Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, Rochester, Fargo, Grand Forks, and St. Cloud among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bremer Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bremer Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.99%	5/4/24
30 Year Conventional Purchase	6.38%	5/4/24
30 Year Conventional Refi	6.03%	5/4/24
30 Year Cash-out Refi	6.42%	5/4/24
30 Year FHA Purchase	7.28%	5/4/24
30 Year FHA Refi	7.46%	5/4/24
30 Year VA Purchase	6.01%	5/4/24
30 Year VA Refi	6.27%	5/4/24
30 Year USDA Purchase	6.73%	5/4/24
15 Year Conventional Purchase	5.62%	5/4/24
15 Year Conventional Refi	5.71%	5/4/24
15 Year Cash-out Refi	5.71%	5/4/24
15 Year FHA Refi	5.68%	5/4/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Bremer Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Bremer Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

6,117

Origination Dollar Volume (All Markets)

$1,580,995,000

Employee count

1,457

Awards

Bremer Bank 30 Year Conventional Loans silver

Bremer Bank 30 Year Conventional Loans gold

Bremer Bank 30 Year Conventional Loans bronze

Show all (7) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1,602	$566,320,000	$353,508	$4,846	3.28%
Outside of Metro Areas	1,068	$191,730,000	$179,522	$3,817	3.34%
ROCHESTER, MN (FHA\|USDA\|VA)	480	$128,860,000	$268,458	$4,331	3.15%
FARGO, ND-MN (FHA\|USDA\|VA)	285	$87,115,000	$305,667	$4,377	3.26%
GRAND FORKS, ND-MN (FHA\|USDA\|VA)	304	$61,560,000	$202,500	$4,851	3.18%
ST. CLOUD, MN (FHA\|USDA\|VA)	323	$61,125,000	$189,241	$3,947	3.33%
Brainerd, MN (FHA\|USDA\|VA)	223	$50,725,000	$227,466	$4,790	3.40%
Willmar, MN (FHA\|USDA\|VA)	191	$37,825,000	$198,037	$3,830	3.24%
Alexandria, MN (FHA\|USDA\|VA)	178	$36,450,000	$204,775	$4,587	3.42%
Fergus Falls, MN (FHA\|USDA\|VA)	174	$35,660,000	$204,943	$4,528	3.31%
MANKATO, MN (FHA\|USDA\|VA)	116	$34,570,000	$298,017	$4,960	3.13%
EAU CLAIRE, WI (FHA\|USDA\|VA)	146	$33,000,000	$226,027	$2,639	3.24%
Marshall, MN (FHA\|USDA\|VA)	132	$19,720,000	$149,394	$3,729	3.32%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	41	$19,535,000	$476,463	$6,320	3.03%
DULUTH, MN-WI (FHA\|USDA\|VA)	58	$17,160,000	$295,862	$4,612	3.22%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	75	$17,025,000	$227,000	$3,085	3.25%
Faribault-Northfield, MN (FHA\|USDA\|VA)	9	$16,375,000	$1,819,444	$4,074	3.57%
Wahpeton, ND-MN (FHA\|USDA\|VA)	99	$15,825,000	$159,848	$4,214	3.32%
Minot, ND (FHA\|USDA\|VA)	70	$15,360,000	$219,429	$5,358	3.21%
Menomonie, WI (FHA\|USDA\|VA)	79	$13,475,000	$170,570	$2,243	3.53%
Owatonna, MN (FHA\|USDA\|VA)	67	$13,185,000	$196,791	$4,718	3.01%
Winona, MN (FHA\|USDA\|VA)	90	$12,070,000	$134,111	$2,948	3.57%
BISMARCK, ND (FHA\|USDA\|VA)	35	$9,585,000	$273,857	$5,843	3.23%
Austin, MN (FHA\|USDA\|VA)	57	$8,985,000	$157,632	$3,856	3.05%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	21	$8,205,000	$390,714	$7,544	2.99%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	10	$6,300,000	$630,000	$9,266	3.29%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	7	$3,935,000	$562,143	$7,650	2.99%
Red Wing, MN (FHA\|USDA\|VA)	15	$3,845,000	$256,333	$5,386	2.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$3,405,000	$1,135,000	$12,618	2.63%
Bozeman, MT (FHA\|USDA\|VA)	3	$3,185,000	$1,061,667	$13,483	3.39%
OCALA, FL (FHA\|USDA\|VA)	3	$3,135,000	$1,045,000	$14,345	3.08%
MADISON, WI (FHA\|USDA\|VA)	7	$2,865,000	$409,286	$3,446	3.00%
TUCSON, AZ (FHA\|USDA\|VA)	3	$2,545,000	$848,333	$11,183	3.29%
SIOUX FALLS, SD (FHA\|USDA\|VA)	8	$2,450,000	$306,250	$4,196	3.08%
Hutchinson, MN (FHA\|USDA\|VA)	12	$2,440,000	$203,333	$5,139	2.86%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$2,395,000	$798,333	$12,758	3.18%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	8	$2,370,000	$296,250	$5,200	3.27%
Bemidji, MN (FHA\|USDA\|VA)	9	$2,345,000	$260,556	$5,390	3.13%
Kalispell, MT (FHA\|USDA\|VA)	2	$1,760,000	$880,000	$13,725	3.53%
Albert Lea, MN (FHA\|USDA\|VA)	11	$1,635,000	$148,636	$3,580	2.82%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	5	$1,545,000	$309,000	$2,836	3.41%
Key West, FL (FHA\|USDA\|VA)	3	$1,505,000	$501,667	$8,148	2.92%
Grand Rapids, MN (FHA\|USDA\|VA)	8	$1,450,000	$181,250	$4,835	3.50%
Spearfish, SD (FHA\|USDA\|VA)	3	$1,445,000	$481,667	$6,480	3.51%
Durango, CO (FHA\|USDA\|VA)	1	$1,375,000	$1,375,000	$4,508	2.88%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$1,315,000	$438,333	$7,038	3.31%
Dickinson, ND (FHA\|USDA\|VA)	7	$1,255,000	$179,286	$3,552	3.53%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$1,205,000	$1,205,000	$16,808	3.38%
Williston, ND (FHA\|USDA\|VA)	2	$1,010,000	$505,000	$11,091	3.34%
Stevens Point, WI (FHA\|USDA\|VA)	7	$985,000	$140,714	$2,612	3.79%
RAPID CITY, SD (FHA\|USDA\|VA)	2	$970,000	$485,000	$8,449	3.13%
PUNTA GORDA, FL (FHA\|USDA\|VA)	4	$970,000	$242,500	$3,619	3.16%
New Ulm, MN (FHA\|USDA\|VA)	5	$835,000	$167,000	$4,489	2.86%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	4	$820,000	$205,000	$5,631	3.11%
Spirit Lake, IA (FHA\|USDA\|VA)	2	$770,000	$385,000	$3,367	3.00%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	2	$700,000	$350,000	$6,463	2.94%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	2	$690,000	$345,000	$5,756	2.81%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	3	$675,000	$225,000	$2,364	3.73%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$630,000	$315,000	$4,004	3.46%
Jamestown, ND (FHA\|USDA\|VA)	2	$620,000	$310,000	$7,258	3.23%
APPLETON, WI (FHA\|USDA\|VA)	2	$380,000	$190,000	$2,642	2.75%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,666	2.44%
FOND DU LAC, WI (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,747	3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$305,000	$305,000	$7,350	3.00%
Wisconsin Rapids-Marshfield, WI (FHA\|USDA\|VA)	2	$290,000	$145,000	$4,089	3.19%
Edwards, CO (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,277	3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,568	3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,300	2.25%
BILLINGS, MT (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,216	3.25%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,534	2.63%
Aberdeen, SD (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,140	2.63%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,952	2.25%
Fairmont, MN (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,281	3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	3.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,802	2.75%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,842	2.88%
Marinette, WI-MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$1,967	3.38%
Beaver Dam, WI (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,112	3.25%
Worthington, MN (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	5.29%

Bremer Bank's top markets include Minneapolis, Rochester, Fargo, Grand Forks, and St. Cloud among others.

Their top states include:

Minnesota (FHA|USDA|VA)

North Dakota (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Bremer Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Firefighters Credit Union
Similarity Rank: 125

Bank Forward
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Prevail Bank
Similarity Rank: 242

NORTHWOODS
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Western National Bank
Similarity Rank: 368

First Credit Union
Similarity Rank: 378

University of Wisconsin Credit Union
Similarity Rank: 392

Forward Bank
Similarity Rank: 400

SUPERIOR CHOICE
Similarity Rank: 464

VERVE, A CREDIT UNION
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	4,769	$1,420,325,000	$297,824	$4,276	2.99%
HELOC	1,110	$112,710,000	$101,541	n/a	4.57%
FHA	111	$21,775,000	$196,171	$7,499	3.06%
USDA	70	$10,370,000	$148,143	$5,296	2.75%
VA	57	$15,815,000	$277,456	$6,100	2.86%

For 2021, Bremer Bank's most frequently originated type of loan was Conventional, with 4,769 originations. Their 2nd most popular type was HELOC, with 1,110 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,070	$722,270,000	$348,923	$5,211	3.12%
Refi	1,981	$514,525,000	$259,730	$3,770	3.01%
Cash Out Refi	1,148	$261,100,000	$227,439	$4,187	2.93%
Other	738	$70,840,000	$95,989	$199	4.61%
Home Improvement	180	$12,260,000	$68,111	$0	4.70%

For 2021, Bremer Bank's most frequently cited loan purpose was Home Purchase, with 2,070 originations. The 2nd most popular reason was Refi, with 1,981 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,131	$1,028,725,000	$249,026	$4,922	3.49%
15 Year	1,049	$239,915,000	$228,708	$3,820	2.48%
20 Year	377	$87,435,000	$231,923	$4,016	2.85%
10 Year	317	$74,715,000	$235,694	$2,001	3.23%
5 Year	126	$74,660,000	$592,540	$0	3.94%
Other	110	$55,120,000	$501,091	$2,493	3.62%
1 Year	6	$1,310,000	$218,333	$0	4.00%
3 Year	1	$19,115,000	$19,115,000	$0	3.50%

For 2021, Bremer Bank's most frequently cited loan duration was 30 Year, with 4,131 originations. The 2nd most popular length was 15 Year, with 1,049 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$2k-3k	1,303	$273,405,000	$209,827
$<1k	1,092	$277,640,000	$254,249
$1k-2k	1,040	$187,030,000	$179,837
$3k-4k	678	$197,840,000	$291,799
$5k+	316	$230,170,000	$728,386
$4k-5k	264	$101,800,000	$385,606

Bremer Bank's average total fees were $4,922, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1,303 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	2,090	$635,390,000	$304,014
3-4%	1,877	$606,675,000	$323,215
<2.5%	1,003	$235,225,000	$234,521
4-5%	937	$88,935,000	$94,915
5-6%	166	$13,190,000	$79,458
6-7%	42	$1,490,000	$35,476
7-8%	2	$90,000	$45,000

During 2021, Bremer Bank's average interest rate for loans was 3.49%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,090 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	2,039	$301,805,000	$148,016	$3,547	3.12%
$200k-400k	1,990	$536,350,000	$269,523	$4,690	3.07%
$100,000 or less	1,300	$72,480,000	$55,754	$2,051	4.01%
$400k-600k	449	$217,155,000	$483,641	$6,030	2.99%
$600k-1MM	207	$158,605,000	$766,208	$8,013	2.97%
$1MM+	132	$294,600,000	$2,231,818	$10,966	3.03%

2021 saw Bremer Bank place emphasis on $100k-200k loans with 2,039 originations, totaling $301,805,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,224	$257,890,000	$210,694	$4,388	3.34%
$50k-75k	1,208	$195,440,000	$161,788	$3,822	3.20%
$75k-100k	921	$168,335,000	$182,774	$4,086	3.29%
$50k or less	919	$125,035,000	$136,055	$3,508	3.21%
$150k-250k	832	$245,860,000	$295,505	$5,218	3.36%
$250k+	651	$365,885,000	$562,035	$7,050	3.18%

Bremer Bank lent most frequently to those with incomes in the $100k-150k range, with 1,224 originations. The second most popular income band? $50k-75k, with 1,208 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,595	$359,985,000	$225,696	$4,126	3.26%
30-36%	1,135	$263,625,000	$232,269	$4,498	3.31%
<20%	790	$198,190,000	$250,873	$4,136	3.20%
44%	245	$51,105,000	$208,592	$4,240	3.51%
38%	235	$49,515,000	$210,702	$4,118	3.28%
36%	212	$52,950,000	$249,764	$4,650	3.24%
39%	208	$55,340,000	$266,058	$5,182	3.27%
42%	204	$56,750,000	$278,186	$4,679	3.19%
40%	197	$49,615,000	$251,853	$4,829	3.15%
37%	192	$46,560,000	$242,500	$4,268	3.22%
43%	186	$38,480,000	$206,882	$4,247	3.24%
41%	175	$42,175,000	$241,000	$4,635	3.26%
45%	107	$22,335,000	$208,738	$4,227	3.03%
48%	94	$23,770,000	$252,872	$4,607	2.99%
47%	92	$23,290,000	$253,152	$4,884	2.99%
49%	85	$20,045,000	$235,824	$4,648	2.96%
46%	72	$16,920,000	$235,000	$4,521	2.95%
>60%	34	$19,470,000	$572,647	$6,985	3.27%
50-60%	24	$5,380,000	$224,167	$5,713	3.98%

Bremer Bank lent most frequently to those with DTI ratios of 20-30%, with 1,595 originations. The next most common DTI ratio? 30-36%, with 1,135 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	4,640	$1,149,400,000	$247,716	$4,409	3.09%
Not provided	1,174	$218,500,000	$186,116	$4,111	3.98%
Not applicable	153	$174,785,000	$1,142,386	$0	3.72%
Asian	83	$24,425,000	$294,277	$4,802	3.02%
Black	42	$9,700,000	$230,952	$4,945	2.96%
American Indian	17	$2,925,000	$172,059	$4,301	3.29%
Other Asian	3	$495,000	$165,000	$4,513	3.08%
Native Hawaiian or Islander	3	$395,000	$131,667	$4,060	2.71%
Asian Indian	2	$370,000	$185,000	$3,250	3.78%

Approval Rates

Total approvals of all applications
94.24%

Bremer Bank has an average approval rate.

Pick Rate

Approvals leading to origination
81.31%

Bremer Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
0.0	4	$590,000	$147,500
13.0	4	$90,000	$22,500
39.0	1	$15,000	$15,000
4.0	1	$15,000	$15,000
5.0	2	$40,000	$20,000
NA	6,105	$1,580,245,000	$258,844

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	6,117	$1,580,995,000	$258,459

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	633	$77,725,000	$122,788	$2,773	3.85%
40-60%	981	$218,205,000	$222,431	$3,724	2.95%
60-80%	2,089	$747,325,000	$357,743	$4,546	3.04%
80-100%	1,760	$502,480,000	$285,500	$5,058	3.11%
Over 100%	9	$2,765,000	$307,222	$14,600	3.21%
Under 20%	644	$32,430,000	$50,357	$691	4.42%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
BREMER BANK, NATIONAL ASSOCIATION	Conventional home mortgage	Trouble during payment process	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Bremer Bank, National Association	100 East Main Street Rice, MN 56367	Full Service B&M	$61,894
Bremer Bank, National Association	10040 City Walk Drive Woodbury, MN 55129	Full Service B&M	$115,998
Bremer Bank, National Association	101 East Fourth Street Redwood Falls, MN 56283	Full Service B&M	$151,068
Bremer Bank, National Association	101 Minnesota Avenue North Aitkin, MN 56431	Full Service B&M	$78,802
Bremer Bank, National Association	102 Keller Ave S Amery, WI 54001	Full Service B&M	$191,835
Bremer Bank, National Association	105 Third Street, S.W. Rugby, ND 58368	Full Service B&M	$76,076
Bremer Bank, National Association	108 Cedar Street, East Houston, MN 55943	Full Service B&M	$49,500
Bremer Bank, National Association	109 South Mantorvill Avenue Kasson, MN 55944	Full Service B&M	$61,018
Bremer Bank, National Association	11 Langer Avenue N Casselton, ND 58012	Full Service B&M	$72,557
Bremer Bank, National Association	1100 St. Germain Street Saint Cloud, MN 56301	Full Service B&M	$510,037
Bremer Bank, National Association	113 E. Front Street Brandon, MN 56315	Full Service B&M	$54,545
Bremer Bank, National Association	113 Main Street N Fordville, ND 58231	Limited, Drive-thru	$10,523
Bremer Bank, National Association	115 East Holmes Street Detroit Lakes, MN 56501	Full Service B&M	$363,141
Bremer Bank, National Association	11800 Singletree Lane Eden Prairie, MN 55344	Full Service B&M	$105,005
Bremer Bank, National Association	119 East First Street Stewartville, MN 55976	Full Service B&M	$64,667
Bremer Bank, National Association	119 Towner Avenue Larimore, ND 58251	Full Service B&M	$60,013
Bremer Bank, National Association	129 South Broad Street Bayfield, WI 54814	Full Service B&M	$98,403
Bremer Bank, National Association	1290 Raintree Road Mankato, MN 56001	Full Service B&M	$111,937
Bremer Bank, National Association	1444 45th Street, Sw Fargo, ND 58103	Full Service B&M	$313,980
Bremer Bank, National Association	1500 North Broadway Menomonie, WI 54751	Full Service B&M	$18,860
Bremer Bank, National Association	1600 University Ave W Ste 2 Saint Paul, MN 55104	Limited, Drive-thru	$63,215
Bremer Bank, National Association	1618 Commerce Street Wahpeton, ND 58075	Full Service B&M	$72,470
Bremer Bank, National Association	1677 Dan Patch Avenue Saint Paul, MN 55108	Limited, Mobile/Seasonal Office	$0
Bremer Bank, National Association	1715 West County Road B2 Roseville, MN 55113	Full Service B&M	$196,642
Bremer Bank, National Association	17600 Highway 7 Minnetonka, MN 55345	Full Service B&M	$69,364
Bremer Bank, National Association	1995 Rahncliff Court Eagan, MN 55122	Full Service B&M	$170,043
Bremer Bank, National Association	20 First Street, S.W. Minot, ND 58701	Full Service B&M	$470,430
Bremer Bank, National Association	201 North Broadway Crookston, MN 56716	Full Service B&M	$267,270
Bremer Bank, National Association	202 South Rum River Dr Princeton, MN 55371	Full Service B&M	$193,814
Bremer Bank, National Association	202 West Johnson Avenue Warren, MN 56762	Full Service B&M	$110,396
Bremer Bank, National Association	208 East College Drive Marshall, MN 56258	Full Service B&M	$290,608
Bremer Bank, National Association	2210 Highway 29 South Alexandria, MN 56308	Limited, Drive-thru	$54,408
Bremer Bank, National Association	225 Lafayette Street Winona, MN 55987	Full Service B&M	$34,232
Bremer Bank, National Association	225 North Fifth Street Breckenridge, MN 56520	Full Service B&M	$98,282
Bremer Bank, National Association	225 West Superior Street, Suite 120 Duluth, MN 55802	Full Service B&M	$9,909
Bremer Bank, National Association	2330 College Way Fergus Falls, MN 56537	Full Service B&M	$122,223
Bremer Bank, National Association	2401 Lowry Avenue, Northeast St. Anthony, MN 55418	Full Service B&M	$325,685
Bremer Bank, National Association	24449 State Road 35 70 Siren, WI 54872	Full Service B&M	$234,071
Bremer Bank, National Association	2570 Midwest Drive Onalaska, WI 54650	Full Service B&M	$155,187
Bremer Bank, National Association	27 West Second Street Eyota, MN 55934	Full Service B&M	$47,680
Bremer Bank, National Association	45 28th St Se Rochester, MN 55904	Full Service B&M	$173,481
Bremer Bank, National Association	301 Territorial St E Watertown, MN 55388	Full Service B&M	$105,926
Bremer Bank, National Association	31 West Bayfield Street Washburn, WI 54891	Full Service B&M	$96,676
Bremer Bank, National Association	3100 South Columbia Road Grand Forks, ND 58201	Full Service B&M	$457,952
Bremer Bank, National Association	3131 Frontage Road South Moorhead, MN 56560	Full Service B&M	$56,642
Bremer Bank, National Association	318 1st Avenue Sw Rochester, MN 55902	Full Service B&M	$99,895
Bremer Bank, National Association	321 South 7th Street Brainerd, MN 56401	Full Service B&M	$244,519
Bremer Bank, National Association	3415 Vicksburg Lane North Plymouth, MN 55447	Full Service B&M	$132,675
Bremer Bank, National Association	345 Fourth Avenue International Falls, MN 56649	Full Service B&M	$119,982
Bremer Bank, National Association	372 Saint Peter Street Saint Paul, MN 55102	Full Service B&M	$1,472,267
Bremer Bank, National Association	3947 Oakwood Hills Pkwy Eau Claire, WI 54701	Full Service B&M	$66,350
Bremer Bank, National Association	4150 2nd St South Saint Cloud, MN 56301	Full Service B&M	$270,789
Bremer Bank, National Association	424 5th Street Ne Devils Lake, ND 58301	Full Service B&M	$129,957
Bremer Bank, National Association	4600 White Bear Parkway White Bear Lake, MN 55110	Full Service B&M	$73,789
Bremer Bank, National Association	500 Willmar Avenue Se Willmar, MN 56201	Full Service B&M	$502,973
Bremer Bank, National Association	503 Broadway Street South, Ste 10 Menomonie, WI 54751	Full Service B&M	$158,353
Bremer Bank, National Association	5125 Highway 52 North Rochester, MN 55901	Full Service B&M	$64,794
Bremer Bank, National Association	532 S Knowles Ave New Richmond, WI 54017	Full Service B&M	$161,698
Bremer Bank, National Association	5540 Brooklyn Boulevard Brooklyn Center, MN 55429	Full Service B&M	$47,435
Bremer Bank, National Association	5990 Nova Scotia Avenue North Stillwater, MN 55082	Full Service B&M	$46,955
Bremer Bank, National Association	622 Main Street Lisbon, ND 58054	Full Service B&M	$126,234
Bremer Bank, National Association	633 Concord St S South Saint Paul, MN 55075	Full Service B&M	$389,490
Bremer Bank, National Association	6800 Cahill Avenue Inver Grove Heights, MN 55076	Full Service B&M	$100,416
Bremer Bank, National Association	6900 France Avenue South Edina, MN 55435	Full Service B&M	$148,167
Bremer Bank, National Association	701 Atlantic Avenue Morris, MN 56267	Full Service B&M	$203,796
Bremer Bank, National Association	710 South Washington Bismarck, ND 58504	Full Service B&M	$101,433
Bremer Bank, National Association	720 Broadway Alexandria, MN 56308	Full Service B&M	$316,193
Bremer Bank, National Association	730 West Bridge Street Owatonna, MN 55060	Full Service B&M	$49,612
Bremer Bank, National Association	748 Whitewater Avenue St. Charles, MN 55972	Full Service B&M	$103,622
Bremer Bank, National Association	7558 Design Road Baxter, MN 56425	Full Service B&M	$129,009
Bremer Bank, National Association	80 South 8th Street Suite 240 Minneapolis, MN 55402	Full Service B&M	$1,548,072
Bremer Bank, National Association	801 Market Street Perham, MN 56573	Full Service B&M	$75,342
Bremer Bank, National Association	805 North Main Street Austin, MN 55912	Full Service B&M	$52,113
Bremer Bank, National Association	807 Main Street Carrington, ND 58421	Full Service B&M	$96,567
Bremer Bank, National Association	8800 Highway 7 St. Louis Park, MN 55426	Full Service B&M	$238,410
Bremer Bank, National Association	910 Hill Avenue Grafton, ND 58237	Full Service B&M	$108,807
Bremer Bank, National Association	921 North Washington Grand Forks, ND 58201	Full Service B&M	$3,267
Bremer Bank, National Association	925 31st Avenue Sw Minot, ND 58701	Limited, Drive-thru	$19,452

For 2021, Bremer Bank had 78 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$461,322
Net interest income	$442,607
Total noninterest income	$127,748
Gross Fiduciary activities income	$22,279
Service charges on deposit accounts	$16,457
Trading account gains and fees	$4,606
Additional Noninterest Income	$84,406
Pre-tax net operating income	$232,766
Securities gains (or losses, -)	$652
Income before extraordinary items	$186,010
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$186,010
Minority interest net income	$0
Net income	$186,010
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$185,488

Bremer Bank's gross interest income from loans was $461,322,000.
Bremer Bank's net interest income from loans was $442,607,000.
Bremer Bank's fee based income from loans was $16,457,000.
Bremer Bank's net income from loans was $186,010,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$18,715
Provision for credit losses	$-10,295
Total noninterest expense	$347,884
Salaries and employee benefits	$216,235
Premises and equipment expense	$43,984
Additional noninterest expense	$87,665
Applicable income taxes	$47,408
Net charge-offs	$-4,157
Cash dividends	$100,000

Bremer Bank's interest expense for loans was $18,715,000.
Bremer Bank's payroll and benefits expense were $216,235,000.
Bremer Bank's property, plant and equipment expenses $43,984,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	1.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$14,648,519
Deposits held in domestic offices	$14,648,519
Deposits by Individuals, partnerships, and corporations	$12,170,698
Deposits by U.S. Government	$15
Deposits by States and political subdivisions in the U.S.	$2,461,075
Deposits by Commercial banks and other depository institutions in U.S.	$16,731
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$2,220,396
Demand deposits	$1,922,460
Nontransaction accounts	$12,428,123
Money market deposit accounts (MMDAs)	$5,894,967
Other savings deposits (excluding MMDAs)	$5,571,242
Total time deposits	$961,914
Total time and savings deposits	$12,726,059
Noninterest-bearing deposits	$5,285,908
Interest-bearing deposits	$9,362,611
Retail deposits	$13,453,004
IRAs and Keogh plan accounts	$219,078
Brokered deposits	$864,361
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$16,499,164
Cash & Balances due from depository institutions	$1,695,715
Interest-bearing balances	$1,565,578
Total securities	$3,956,223
Federal funds sold & reverse repurchase	$1,935
Net loans and leases	$10,096,542
Loan and leases loss allowance	$123,647
Trading account assets	$76,882
Bank premises and fixed assets	$106,988
Other real estate owned	$207
Goodwill and other intangibles	$125,962
All other assets	$438,710

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$16,499,164
Total Liabilities	$15,043,298
Total deposits	$14,648,519
Interest-bearing deposits	$9,362,611
Deposits held in domestic offices	$14,648,519
% insured (estimated)	$54
Federal funds purchased and repurchase agreements	$100,969
Trading liabilities	$43,522
Other borrowed funds	$152,214
Subordinated debt	$0
All other liabilities	$98,074

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$10,096,542
Loan and leases loss allowance	$123,647
Total loans and leases (domestic)	$10,220,189
All real estate loans	$7,106,270
Real estate loans in domestic offices	$7,106,270
Construction and development loans	$894,286
Residential 1-4 family construction	$69,849
Other construction, all land development and other land	$824,437
Loans secured by nonfarm nonresidential properties	$3,220,114
Nonfarm nonresidential secured by owner-occupied properties	$1,355,498
Commercial real estate & other non-farm, non-residential	$1,864,616
Multifamily residential real estate	$772,264
1-4 family residential loans	$1,575,707
Farmland loans	$643,899
Loans held in foreign offices	$0
Farm loans	$513,280
Commercial and industrial loans	$1,655,951
To non-U.S. addressees	$0
Loans to individuals	$116,128
Credit card loans	$0
Related Plans	$43,200
Consumer Auto Loans	$21,151
Other loans to individuals	$51,777
All other loans & leases	$828,607
Loans to foreign governments and official institutions	$0
Other loans	$3,324
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$230
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$10,100
Non 1-4 family restructured loans & leases	$1,996
Total loans and leases (foreign)	$0

Bremer Bank had $10,096,542,000 of loans outstanding in 2021. $7,106,270,000 of loans were in real estate loans. $894,286,000 of loans were in development loans. $772,264,000 of loans were in multifamily mortgage loans. $1,575,707,000 of loans were in 1-4 family mortgage loans. $513,280,000 of loans were in farm loans. $0 of loans were in credit card loans. $21,151,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	1,932	$445,930	$230,813
Nonfarm, nonresidential loans - <$100k	389	$11,613	$29,853
Nonfarm, nonresidential loans - $100-250k	626	$75,337	$120,347
Nonfarm, nonresidential loans - $250k-1MM	917	$358,980	$391,472
Commercial & Industrial, US addressed loans - <$1MM	5,501	$324,533	$58,995
Commercial & Industrial, US addressed loans - <$100k	3,430	$51,997	$15,159
Commercial & Industrial, US addressed loans - $100-250k	1,074	$76,035	$70,796
Commercial & Industrial, US addressed loans - $250k-1MM	997	$196,501	$197,092
Farmland loans - <$1MM	1,642	$254,672	$155,099
Farmland loans - <$100k	370	$14,762	$39,897
Farmland loans - $100-250k	693	$84,659	$122,163
Farmland loans - $250k-1MM	579	$155,251	$268,136
Agriculture operations loans - <$1MM	3,795	$205,336	$54,107
Agriculture operations loans - <$100k	2,483	$41,080	$16,545
Agriculture operations loans - $100-250k	789	$67,524	$85,582
Agriculture operations loans - $250k-1MM	523	$96,732	$184,956