We analyzed every closed loan from Bremer Bank — 913 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Explore another lender or local market
Report Card
Bremer Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
803 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
52 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
VA
13 loans · 0.37% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
35 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
749 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
Refinance
164 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 803 | 88.0% | +0.216%Above | $2,749Fees | ||||
FHA Loans | 52 | 5.7% | +0.474%Above | $2,757Fees | ||||
VA Loans | — | — | 13 | 1.4% | -0.372%Below | $2,039Fees | ||
Jumbo Loans | 35 | 3.8% | +0.341%Above | $6,353Fees | ||||
USDA Loans | — | — | 10 | 1.1% | +0.287%Above | $2,027Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume803
Mix88.0%
Spread
+0.216%Above
Fees
$2,749Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume52
Mix5.7%
Spread
+0.474%Above
Fees
$2,757Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume13
Mix1.4%
Spread
-0.372%Below
Fees
$2,039Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume35
Mix3.8%
Spread
+0.341%Above
Fees
$6,353Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix1.1%
Spread
+0.287%Above
Fees
$2,027Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 749 | 82.0% | +0.216%Above | $3,011Fees | ||||
Refinance | 164 | 18.0% | +0.253%Above | $2,105Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume749
Mix82.0%
Spread
+0.216%Above
Fees
$3,011Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume164
Mix18.0%
Spread
+0.253%Above
Fees
$2,105Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
913
Applications
1,164
Volume
$282 million
Pricing & Closing
Avg Rate Spread
+0.223%
vs. market APOR
Avg Net Fees
$2,838
Origination − Credits
Pullthrough Rate
78.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,929
Avg Borrower Income
$172,755
Avg Property Value
$419,896
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Midwest5
IAMNNDSDWI
South1
FL
West3
AZCOWY
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.