Bravera Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
88th2.2% deniedProcesswithdrawn + incomplete share, weight 15%
63rd9.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 331 | 286 | 2.7% | 3.0% | 6.64% | $76M |
| 2024 | 444 | 381 | 3.4% | 3.7% | — | $104M |
| 2025 | 551 | 484 | 2.0% | 2.2% | — | $172M |
What Bravera 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, 5 manufactured homes, 139 investment properties.
Who gets approved at Bravera Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 28 | 12.5% |
| $50k – $100k | 166 | 146 | 2.7% |
| $100k – $150k | 101 | 86 | 0.0% |
| $150k – $250k | 99 | 88 | 1.1% |
| Over $250k | 55 | 43 | 2.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 51 | 46 | 2.1% |
| 25–34 | 127 | 111 | 1.8% |
| 35–44 | 117 | 96 | 5.8% |
| 45–54 | 66 | 56 | 1.8% |
| 55–64 | 68 | 60 | 0.0% |
| 65–74 | 38 | 31 | 2.9% |
Where Bravera Bank lends
7 states and 78 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Dakota | 365 | 326 | 2.2% | — | #13 |
| Montana | 109 | 89 | 1.8% | — | #62 |
| Minnesota | 66 | 58 | 1.5% | — | #255 |
| South Dakota | 5 | 5 | 0.0% | — | #173 |
Frequently asked questions
Bravera Bank denied 2.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 22% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 92% conventional, 5% FHA, 1% 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.