Purchase Originations
172
Median Total Costs
$5,283
−20.9% vs national ($6,680)
↑ $13 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,729
Median Lender Credits
$410
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 155 | 6.625% | $5,020 | $2,738 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,273 | 6.125% | — | 5 | −$1,010 | |
| 2 | $4,358 | 6.500% | — | 3 | −$925 | |
| 3 | $4,516 | 6.688% | — | 6 | −$767 | |
| 4 | $4,690 | 5.950% | — | 4 | −$593 | |
| 5 | $4,776 | 6.500% | — | 3 | −$507 | |
| 6 | $4,948 | 6.000% | — | 2 | −$335 | |
| 7 | $4,959 | 6.625% | — | 17 | −$324 | |
| 8 | $4,991 | 6.562% | — | 8 | −$292 | |
| 9 | $5,088 | 6.500% | — | 7 | −$195 | |
| 10 | $5,094 | 6.500% | — | 3 | −$189 | |
| 11 | $5,417 | 6.250% | — | 3 | +$134 | |
| 12 | $5,539 | 6.875% | — | 5 | +$256 | |
| 13 | $5,648 | 6.500% | — | 13 | +$365 | |
| 14 | $5,805 | 7.000% | — | 3 | +$522 | |
| 15 | $5,980 | 6.125% | — | 5 | +$697 | |
| 16 | $6,048 | 6.500% | — | 7 | +$765 | |
| 17 | $6,366 | 6.812% | — | 2 | +$1,083 | |
| 18 | $6,598 | 6.750% | — | 9 | +$1,315 | |
| 19 | $7,402 | 6.625% | — | 3 | +$2,119 | |
| 20 | $10,721 | 6.625% | — | 5 | +$5,438 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bremer Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $5,283 | $7,127 | −$1,844 (−25.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.