Bremer Bank in Wisconsin vs the state
18.0%Denial rate+4.02 pts vs state
20.4%Decision denial rate+4.01 pts vs state
70.5%Origination rate+2.34 pts vs state
8.80%Median rate+2.18 pts vs state
-7.26Rate spread (pts)-7.38 pts vs state
$87kMedian applicant income
43Loans originated
11Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 246 | 176 | 14.2% | 7.63% | #114 |
| 2024 | 209 | 155 | 9.6% | 9.30% | #136 |
| 2025 | 61 | 43 | 18.0% | 8.80% | #309 |
What Bremer Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Bremer Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burnett County | 10 | 6 | 3 | 30.0% |
| Dunn County | 10 | 6 | 2 | 20.0% |
| Polk County | 8 | 7 | 0 | 0.0% |
| Bayfield County | 7 | 3 | 4 | 57.1% |
| St. Croix County | 7 | 6 | 1 | 14.3% |
| Eau Claire County | 5 | 4 | 0 | 0.0% |
| La Crosse County | 3 | 2 | 0 | 0.0% |
| Outagamie County | 2 | 1 | 0 | 0.0% |
| Chippewa County | 2 | 2 | 0 | 0.0% |
| Dane County | 2 | 2 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 61 applications in 2025, of which 43 were originated and 11 denied.
18.0% of all applications, or 20.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Bremer Bank originated in Wisconsin in 2025 was 8.80%, against a statewide median of 6.63%.
About this data. Figures are Bremer Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology