Bruning 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 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%
33rd14.1% deniedProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 149 | 114 | 7.4% | 8.6% | — | $29M |
| 2025 | 199 | 151 | 12.6% | 14.1% | — | $37M |
What Bruning 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, 82 investment properties.
Who gets approved at Bruning Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 43 | 29 | 25.6% |
| $100k – $150k | 32 | 25 | 10.3% |
| $150k – $250k | 25 | 15 | 25.0% |
| Over $250k | 24 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 20 | 13.0% |
| 35–44 | 39 | 22 | 26.7% |
| 45–54 | 28 | 21 | 15.4% |
| 55–64 | 22 | 16 | 20.0% |
Where Bruning Bank lends
8 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 188 | 142 | 13.3% | — | #78 |
Frequently asked questions
Bruning Bank denied 14.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 28% for refinancing (including cash-out), and 10% 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.