Bravera Bank
DICKINSON, ND
Bravera Bank processed 445 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 381 loans with a 3.4% denial rate. Home Purchase was the primary loan purpose. Based in DICKINSON, ND. The approval rate of 85.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Bravera Bank processed 445 HMDA-reported mortgage applications in 2024, originating 381 loans and denying 15 for a denial rate of 3.4% (applicants themselves withdrew 38 files before a decision). The average loan amount was $281,225. The lender reports under LEI 549300UONVHJ0G6DSL23 from DICKINSON, ND.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bravera Bank's 85.6% origination rate tells you how often an application turned into funded money; the 3.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (390 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 390 | 339 | 12 | $286,000 |
| FHA | 38 | 26 | 3 | $237,105 |
| VA | 10 | 9 | 0 | $328,000 |
| USDA | 7 | 7 | 0 | $187,857 |
Top loan types — Bravera Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Bravera Bank (LEI: 549300UONVHJ0G6DSL23) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 364 | 312 | $294,808 |
| Refinancing | 47 | 39 | $252,660 |
| Cash-out Refinancing | 13 | 10 | $271,923 |
| Home Improvement | 12 | 11 | $67,500 |
| Other | 9 | 9 | $179,444 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 374 | 85.6% | 2.9% |
| American Indian or Alaska Native | 9 | 66.7% | 0.0% |
| Asian | 6 | 100.0% | 0.0% |
| Joint | 6 | 83.3% | 16.7% |
| Black or African American | 1 | 100.0% | 0.0% |
| Native Hawaiian or Other Pacific Islander | 1 | 0.0% | 100.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 376 | 85.1% | 3.2% |
| Hispanic or Latino | 15 | 80.0% | 6.7% |
| Joint | 7 | 100.0% | 0.0% |
Nearby Lenders in ND
Other HMDA-reporting lenders in ND with similar activity. Compare any two side-by-side.
Bell Bank
Fargo, ND
Gate City Bank
Fargo, ND
ALERUS FINANCIAL NA
GRAND FORKS, ND
First International Bank & Trust
Minot, ND
FIRST COMMUNITY CREDIT UNION
JAMESTOWN, ND
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.