Bradesco Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
28th10.1% deniedPricingmedian rate spread over APOR, weight 30%
63rd0.79 ptsProcesswithdrawn + incomplete share, weight 15%
32nd9.1%Closing coststotal loan costs ÷ loan amount, weight 10%
39th3.68% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,253 | 1,010 | 7.5% | 8.5% | 7.38% | $518M |
| 2024 | 1,033 | 865 | 6.5% | 7.2% | 7.38% | $516M |
| 2025 | 859 | 699 | 9.2% | 10.1% | 6.63% | $509M |
What Bradesco Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 770 investment properties.
Why Bradesco Bank denies applications
Primary reason reported for each of the 79 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bradesco Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 23 | 16 | 11.1% |
| $150k – $250k | 62 | 51 | 8.9% |
| Over $250k | 161 | 119 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 20 | 4.8% |
| 35–44 | 74 | 58 | 15.9% |
| 45–54 | 100 | 72 | 13.1% |
| 55–64 | 48 | 35 | 5.4% |
Where Bradesco Bank lends
7 states and 39 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bradesco Bank denied 10.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of investment-property lenders.
The most common reason Bradesco Bank gave in 2025 was "other", cited on 46.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bradesco Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.79 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 91% of its applications were for home purchases, 9% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.