Brighton Bank
Brighton Bank received 659 applications in 2025 and made 447 mortgages, in 258 counties across 41 states. The median rate its borrowers got was 6.625% on a median loan of $305,000. Of 520 decisions, 25 were denials — 4.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PXIFIEPL7D7R86 |
|---|---|
| Applications received | 659 |
| Mortgages made | 447 |
| Denied | 25 |
| Approved, not taken up | 48 |
| Withdrawn or incomplete | 139 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2225 points |
| FDIC-insured bank | Yes: Brighton Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 390 | 6.625% | $315,000 | 4.3% |
| Refinancing | 20 | 6.313% | $320,000 | 4.6% |
| Cash-out refinancing | 31 | 6.625% | $235,000 | 11.1% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Brighton Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, TN | 45 | 6.500% | 2.1% |
| Hardeman County, TN | 31 | 6.250% | 5.7% |
| Bergen County, NJ | 21 | 6.875% | 0.0% |
| Vanderburgh County, IN | 18 | 8.500% | 0.0% |
| Cook County, IL | 13 | 6.625% | 0.0% |
| Lake County, IL | 12 | 6.750% | 6.7% |
| Passaic County, NJ | 11 | 6.750% | 0.0% |
| McNairy County, TN | 9 | Under 10 loans | 0.0% |
| Dallas County, TX | 9 | Under 10 loans | 16.7% |
| Fayette County, TN | 8 | Under 10 loans | 0.0% |
| Essex County, NJ | 7 | Under 10 loans | 18.2% |
| Tipton County, TN | 7 | Under 10 loans | 0.0% |
| Morris County, NJ | 6 | Under 10 loans | 14.3% |
| Tarrant County, TX | 6 | Under 10 loans | 14.3% |
| DeSoto County, MS | 5 | Under 10 loans | 0.0% |
| Hudson County, NJ | 5 | Under 10 loans | 0.0% |
| Union County, NJ | 5 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 5 | Under 10 loans | 16.7% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 3 | Under 10 loans | 0.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Jefferson County, CO | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 3 | Under 10 loans | 0.0% |
| Gibson County, TN | 3 | Under 10 loans | 0.0% |
| Madison County, TN | 3 | Under 10 loans | 0.0% |
| Columbia County, WI | 3 | Under 10 loans | 0.0% |
| Adams County, CO | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| St. Johns County, FL | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Liberty County, GA | 2 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IN | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 2 | Under 10 loans | 0.0% |
| Sussex County, NJ | 2 | Under 10 loans | 0.0% |
| Rockland County, NY | 2 | Under 10 loans | 0.0% |
| Westchester County, NY | 2 | Under 10 loans | 0.0% |
| Onslow County, NC | 2 | Under 10 loans | 0.0% |
| Linn County, OR | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Lexington County, SC | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Haywood County, TN | 2 | Under 10 loans | 33.3% |
| Montgomery County, TN | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.