Brighton Bank mortgage approval rate & lending review
Brighton Bank decided 1,455 mortgage applications and funded 1,230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Brighton Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Brighton Bank at a glance
Approval is 7.0 points above the 86.0% 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 | 93% | 1,093 / 1,170 | 91% | $335K | 1,000 |
| Cash-out refinance | 94% | 61 / 65 | 77% | $245K | 47 |
| Refinance | 86% | 24 / 28 | 92% | $325K | 22 |
| Investment property purchase | 92% | 143 / 155 | 91% | $115K | 130 |
Brighton Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 93% | $485K | 318 | 261 |
| Tennessee | 99% | $285K | 246 | 228 |
| Illinois | 87% | $285K | 145 | 114 |
| Texas | 95% | $315K | 138 | 120 |
| Florida | 89% | $335K | 117 | 97 |
| Indiana | 97% | $85K | 79 | 76 |
| Georgia | 100% | $345K | 40 | 35 |
| Mississippi | 95% | $335K | 40 | 35 |
| Colorado | 97% | $535K | 39 | 37 |
| Ohio | 92% | $205K | 36 | 30 |
| New York | 91% | $385K | 32 | 27 |
| North Carolina | 93% | $335K | 30 | 23 |
| South Carolina | 91% | $295K | 23 | 19 |
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 Brighton Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 99% | 177 | 168 |
| Bergen County, NJ | Mortgage lenders | 92% | 78 | 66 |
| Vanderburgh County, IN | Investment property purchase | 100% | 55 | 55 |
| Passaic County, NJ | Mortgage lenders | 100% | 50 | 44 |
| DeSoto County, MS | Mortgage lenders | 94% | 36 | 31 |
| Shelby County, TN | Investment property purchase | 97% | 29 | 23 |
The county markets where Brighton Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Brighton Bank
What is Brighton Bank's mortgage approval rate?
Brighton Bank approved 93.1% of the 1,455 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 86.0% national rate for the same mix of loan types.
How often do borrowers take the loan Brighton Bank offers?
Borrowers accepted 91% of the loans Brighton Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Brighton Bank make?
The typical home purchase mortgage loan Brighton Bank made was $335K; across all loan types its typical loan ran from $115K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Brighton Bank lend?
Brighton Bank decided applications in 45 of the states Fat Boy Data covers, most of them in New Jersey, Tennessee and Illinois.
Can I apply to Brighton Bank directly?
Yes. Brighton Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Brighton Bank'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 Brighton Bank treats applications, then get a rate quote from the lender.