Brightbridge Credit Union mortgage approval rate & lending review
Brightbridge Credit Union decided 1,994 mortgage applications and funded 1,708 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Brightbridge Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Brightbridge Credit Union at a glance
Approval is 14.9 points above the 73.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 437 / 466 | 98% | $445K | 429 |
| Home improvement loans | 86% | 711 / 831 | 96% | $75K | 684 |
| Cash-out refinance | 87% | 66 / 76 | 98% | $315K | 65 |
| Refinance | 88% | 427 / 488 | 96% | $115K | 412 |
| Investment property purchase | 95% | 95 / 100 | 98% | $445K | 93 |
Brightbridge Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 88% | $105K | 1,570 | 1,337 |
| New Hampshire | 90% | $135K | 402 | 350 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Brightbridge Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Home improvement loans | 85% | 343 | 280 |
| Essex County, MA | Refinance | 86% | 194 | 161 |
| Rockingham County, NH | Home improvement loans | 87% | 158 | 131 |
| Essex County, MA | Mortgage lenders | 93% | 122 | 112 |
| Plymouth County, MA | Home improvement loans | 86% | 111 | 92 |
| Rockingham County, NH | Refinance | 91% | 93 | 84 |
| Middlesex County, MA | Home improvement loans | 95% | 74 | 67 |
| Rockingham County, NH | Mortgage lenders | 97% | 65 | 61 |
| Middlesex County, MA | Refinance | 89% | 62 | 53 |
| Plymouth County, MA | Refinance | 89% | 53 | 43 |
| Bristol County, MA | Home improvement loans | 84% | 45 | 37 |
| Essex County, MA | Cash-out refinance | 93% | 29 | 27 |
The county markets where Brightbridge Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Brightbridge Credit Union
What is Brightbridge Credit Union's mortgage approval rate?
Brightbridge Credit Union approved 88.3% of the 1,994 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 73.5% national rate for the same mix of loan types.
How often do borrowers take the loan Brightbridge Credit Union offers?
Borrowers accepted 97% of the loans Brightbridge Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Brightbridge Credit Union make?
The typical home improvement loan loan Brightbridge Credit Union made was $75K; across all loan types its typical loan ran from $75K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Brightbridge Credit Union lend?
Brightbridge Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Brightbridge Credit Union directly?
Yes. Brightbridge Credit Union is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Brightbridge Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Brightbridge Credit Union treats applications, then get a rate quote from the lender.