Bremer Bank in North Dakota vs the state
14.6%Denial rate+3.19 pts vs state
16.2%Decision denial rate+2.50 pts vs state
74.4%Origination rate+4.70 pts vs state
7.00%Median rate+0.50 pts vs state
-0.69Rate spread (pts)-0.93 pts vs state
$112kMedian applicant income
61Loans originated
12Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 261 | 214 | 6.9% | 6.98% | #17 |
| 2024 | 270 | 225 | 8.2% | 7.13% | #19 |
| 2025 | 82 | 61 | 14.6% | 7.00% | #55 |
What Bremer Bank lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Bremer Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 20 | 15 | 4 | 20.0% |
| Grand Forks County | 17 | 14 | 1 | 5.9% |
| Richland County | 7 | 4 | 2 | 28.6% |
| Ramsey County | 6 | 5 | 1 | 16.7% |
| Walsh County | 6 | 4 | 2 | 33.3% |
| Burleigh County | 5 | 3 | 1 | 20.0% |
| Foster County | 3 | 2 | 0 | 0.0% |
| Ransom County | 3 | 3 | 0 | 0.0% |
| Pembina County | 2 | 2 | 0 | 0.0% |
| Pierce County | 2 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 82 applications in 2025, of which 61 were originated and 12 denied.
14.6% of all applications, or 16.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Bremer Bank originated in North Dakota in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Bremer Bank's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology