Brighton Bank in New Jersey vs the state
5.1%Denial rate-12.59 pts vs state
6.5%Decision denial rate-16.56 pts vs state
67.4%Origination rate+11.67 pts vs state
6.63%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$163kMedian applicant income
66Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 104 | 4.6% | — | #202 |
| 2024 | 149 | 91 | 7.4% | — | #218 |
| 2025 | 98 | 66 | 5.1% | 6.63% | #267 |
What Brighton Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Brighton Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 30 | 21 | 0 | 0.0% |
| Passaic County | 14 | 11 | 0 | 0.0% |
| Essex County | 13 | 7 | 2 | 15.4% |
| Hudson County | 9 | 5 | 0 | 0.0% |
| Union County | 7 | 5 | 0 | 0.0% |
| Morris County | 7 | 6 | 1 | 14.3% |
| Somerset County | 4 | 3 | 0 | 0.0% |
| Sussex County | 3 | 2 | 0 | 0.0% |
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Camden County | 2 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 98 applications in 2025, of which 66 were originated and 5 denied.
5.1% of all applications, or 6.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Brighton Bank originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Brighton Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology