Brighton Bank in Texas vs the state
4.5%Denial rate-14.95 pts vs state
6.3%Decision denial rate-18.65 pts vs state
59.7%Origination rate+4.82 pts vs state
6.63%Median rate+0.13 pts vs state
0.19Rate spread (pts)-0.01 pts vs state
$107kMedian applicant income
40Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 48 | 1.2% | — | #599 |
| 2024 | 85 | 54 | 3.5% | — | #584 |
| 2025 | 67 | 40 | 4.5% | 6.63% | #644 |
What Brighton Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Brighton Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 13 | 9 | 2 | 15.4% |
| Tarrant County | 10 | 6 | 1 | 10.0% |
| Denton County | 7 | 5 | 0 | 0.0% |
| El Paso County | 3 | 1 | 0 | 0.0% |
| Collin County | 3 | 2 | 0 | 0.0% |
| Coryell County | 2 | 1 | 0 | 0.0% |
| Hill County | 2 | 1 | 0 | 0.0% |
| Parker County | 2 | 2 | 0 | 0.0% |
| Kaufman County | 2 | 0 | 0 | 0.0% |
| Liberty County | 2 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 67 applications in 2025, of which 40 were originated and 3 denied.
4.5% of all applications, or 6.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Brighton Bank originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Brighton Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology