Brighton Bank in Tennessee vs the state
2.6%Denial rate-14.59 pts vs state
3.0%Decision denial rate-18.67 pts vs state
78.3%Origination rate+20.26 pts vs state
6.38%Median rate-0.25 pts vs state
0.30Rate spread (pts)+0.07 pts vs state
$98kMedian applicant income
123Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 158 | 2.9% | — | #186 |
| 2024 | 221 | 173 | 1.4% | — | #186 |
| 2025 | 157 | 123 | 2.6% | 6.38% | #249 |
What Brighton Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Brighton Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 52 | 45 | 1 | 1.9% |
| Hardeman County | 42 | 31 | 2 | 4.8% |
| McNairy County | 13 | 9 | 0 | 0.0% |
| Fayette County | 9 | 8 | 0 | 0.0% |
| Tipton County | 9 | 7 | 0 | 0.0% |
| Madison County | 4 | 3 | 0 | 0.0% |
| Haywood County | 3 | 2 | 1 | 33.3% |
| Gibson County | 3 | 3 | 0 | 0.0% |
| Rutherford County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 157 applications in 2025, of which 123 were originated and 4 denied.
2.6% of all applications, or 3.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Brighton Bank originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Brighton Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology