Lender in North Dakota · HMDA 2025
Bravera Bank mortgages in North Dakota
Bravera Bank's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
Bravera Bank originated 218 owner-occupied single-family loans in North Dakota from 228 completed applications, making it the state's #10 lender by volume.
Loans in ND
218
of 228 applications
Denial rate
2.5%
Purchase · ND 4.5%
Rate spread
—
Conv. · ND +0.01 pts
Loan amount
$255,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 203 | 195 | 2.5% | — | — | — | $255,000 |
| Refinance | 17 | 16 | — | — | — | — | — |
| Cash-out refinance | 8 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where Bravera Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dunn County | 1 | 9 | 25.0% |
| Nelson County | 1 | 4 | 21.1% |
| Steele County | 2 | 3 | 20.0% |
| Billings County | 3 | 1 | 33.3% |
| Stark County | 4 | 40 | 8.3% |
| Mountrail County | 4 | 6 | 9.4% |
| Burleigh County | 5 | 67 | 5.3% |
| Morton County | 5 | 20 | 5.1% |
| Kidder County | 5 | 2 | 8.3% |
| Sheridan County | 5 | 1 | 16.7% |
| Oliver County | 6 | 2 | 10.0% |
| Grant County | 7 | 1 | 7.1% |
| Ramsey County | 8 | 4 | 4.0% |
| Benson County | 8 | 1 | 9.1% |
| Emmons County | 8 | 1 | 4.2% |
| McLean County | 9 | 5 | 4.5% |
| Golden Valley County | 9 | 1 | 5.9% |
| Logan County | 9 | 1 | 6.3% |
| Bowman County | 10 | 1 | 4.8% |
| Eddy County | 10 | 1 | 5.9% |
| Griggs County | 10 | 1 | 5.3% |
| Towner County | 10 | 1 | 5.0% |
| Cavalier County | 12 | 1 | 2.7% |
| Hettinger County | 12 | 1 | 4.8% |
| Pierce County | 12 | 1 | 4.8% |
| Ward County | 13 | 14 | 1.5% |
| Mercer County | 14 | 2 | 2.4% |
| Bottineau County | 17 | 1 | 2.0% |
| Barnes County | 23 | 1 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology