Brannen Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st9.6% deniedProcesswithdrawn + incomplete share, weight 15%
50th11.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 433 | 353 | 9.9% | 10.7% | 6.75% | $102M |
| 2024 | 411 | 287 | 15.8% | 18.2% | — | $90M |
| 2025 | 389 | 308 | 8.5% | 9.6% | — | $106M |
What Brannen 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, 14 manufactured homes, 37 investment properties.
Who gets approved at Brannen Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 28 | 28.2% |
| $50k – $100k | 104 | 81 | 7.8% |
| $100k – $150k | 95 | 78 | 8.2% |
| $150k – $250k | 78 | 66 | 5.6% |
| Over $250k | 44 | 38 | 7.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 61 | 54 | 5.2% |
| 35–44 | 53 | 37 | 14.0% |
| 45–54 | 66 | 52 | 14.8% |
| 55–64 | 105 | 87 | 6.3% |
| 65–74 | 49 | 37 | 5.1% |
| Over 74 | 27 | 20 | 20.0% |
Where Brannen Bank lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 389 | 308 | 8.5% | — | #275 |
Frequently asked questions
Brannen Bank denied 9.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of small mortgage lenders.
In 2025, 76% of its applications were for home purchases, 12% for refinancing (including cash-out), and 12% 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.