Brighton Bank Mortgage Lending & HMDA Data, 2021

In 2021, Brighton Bank of Brighton, TN reported 826 mortgage applications totaling $205.4 million, up 70% from 2020. The average application was for $248,692, and applicants reported an average income of $112,297. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Memphis, TN-MS-AR (330), Evansville, IN-KY (29) and Jackson, TN (24) (applications in parentheses).

Mortgage Company & Address Brighton Bank
7663 Highway 51 S
Brighton, TN 38011
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 826
Total Mortgage Loan Application Amount $205,420,000
Average Mortgage Loan Application Amount $248,692
Highest Mortgage Loan Application Amount $1,495,000
Average Applicant Income $112,297
Highest Applicant Income $1,191,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Brighton Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Brighton Bank by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Shelby, Tennessee 245 $ 59,275,000 $ 241,938 $ 129,000
Hardeman, Tennessee 103 $ 14,025,000 $ 136,165 $ 58,000
DeSoto, Mississippi 30 $ 8,290,000 $ 276,333 $ 96,000
Fayette, Tennessee 26 $ 6,960,000 $ 267,692 $ 111,000
Vanderburgh, Indiana 24 $ 2,680,000 $ 111,666 $ 84,000
Tipton, Tennessee 22 $ 4,290,000 $ 195,000 $ 83,000
Madison, Tennessee 15 $ 2,895,000 $ 193,000 $ 66,000
Middlesex, Massachusetts 13 $ 5,255,000 $ 404,230 $ 158,000
Suffolk, Massachusetts 11 $ 4,535,000 $ 412,272 $ 136,000
Harris, Texas 10 $ 2,780,000 $ 278,000 $ 148,000
Hillsborough, New Hampshire 8 $ 2,200,000 $ 275,000 $ 131,000
McNairy, Tennessee 7 $ 905,000 $ 129,285 $ 58,000
Collin, Texas 7 $ 2,525,000 $ 360,714 $ 142,000
Norfolk, Massachusetts 6 $ 2,220,000 $ 370,000 $ 78,000
Worcester, Massachusetts 6 $ 1,760,000 $ 293,333 $ 137,000
Hardin, Tennessee 6 $ 1,560,000 $ 260,000 $ 140,000
Denton, Texas 6 $ 1,950,000 $ 325,000 $ 149,000
Maricopa, Arizona 5 $ 1,865,000 $ 373,000 $ 109,000
Fairfield, Connecticut 5 $ 1,825,000 $ 365,000 $ 231,000
DeKalb, Georgia 5 $ 1,595,000 $ 319,000 $ 126,000
Essex, Massachusetts 5 $ 1,875,000 $ 375,000 $ 112,000
Davidson, Tennessee 5 $ 1,435,000 $ 287,000 $ 74,000
Gibson, Tennessee 5 $ 1,165,000 $ 233,000 $ 102,000
Dallas, Texas 5 $ 1,705,000 $ 341,000 $ 100,000
Tarrant, Texas 5 $ 1,985,000 $ 397,000 $ 180,000
Hartford, Connecticut 4 $ 1,150,000 $ 287,500 $ 73,000
New Haven, Connecticut 4 $ 1,200,000 $ 300,000 $ 184,000
York, Maine 4 $ 1,230,000 $ 307,500 $ 102,000
Barnstable, Massachusetts 4 $ 1,440,000 $ 360,000 $ 170,000
Bristol, Massachusetts 4 $ 1,420,000 $ 355,000 $ 74,000
Marshall, Mississippi 4 $ 1,170,000 $ 292,500 $ 66,000
Tippah, Mississippi 4 $ 450,000 $ 112,500 $ 33,000
Rockingham, New Hampshire 4 $ 1,470,000 $ 367,500 $ 139,000
Providence, Rhode Island 4 $ 1,210,000 $ 302,500 $ 158,000
Henderson, Tennessee 4 $ 500,000 $ 125,000 $ 62,000
Travis, Texas 4 $ 1,350,000 $ 337,500 $ 167,000
Garland, Arkansas 3 $ 425,000 $ 141,666 $ 104,000
Denver, Colorado 3 $ 1,525,000 $ 508,333 $ 221,000
Miami-Dade, Florida 3 $ 925,000 $ 308,333 $ 170,000
Warrick, Indiana 3 $ 395,000 $ 131,666 $ 17,000
Kent, Michigan 3 $ 585,000 $ 195,000 $ 67,000
Chester, Tennessee 3 $ 555,000 $ 185,000 $ 50,000
Dickson, Tennessee 3 $ 855,000 $ 285,000 $ 131,000
Hamilton, Tennessee 3 $ 695,000 $ 231,666 $ 79,000
Haywood, Tennessee 3 $ 225,000 $ 75,000 $ 51,000
Putnam, Tennessee 3 $ 805,000 $ 268,333 $ 105,000
Williamson, Texas 3 $ 915,000 $ 305,000 $ 119,000
Crittenden, Arkansas 2 $ 300,000 $ 150,000 $ 69,000
Los Angeles, California 2 $ 930,000 $ 465,000 $ 130,000
San Diego, California 2 $ 1,090,000 $ 545,000 $ 193,000
Arapahoe, Colorado 2 $ 830,000 $ 415,000 $ 134,000
Boulder, Colorado 2 $ 760,000 $ 380,000 $ 90,000
Douglas, Colorado 2 $ 1,030,000 $ 515,000 $ 196,000
District of Columbia, District Of Columbia 2 $ 980,000 $ 490,000 $ 189,000
Collier, Florida 2 $ 710,000 $ 355,000 $ 144,000
Duval, Florida 2 $ 820,000 $ 410,000 $ 102,000
Palm Beach, Florida 2 $ 800,000 $ 400,000 $ 170,000
Volusia, Florida 2 $ 720,000 $ 360,000 $ 118,000
Cobb, Georgia 2 $ 790,000 $ 395,000 $ 98,000
Gwinnett, Georgia 2 $ 610,000 $ 305,000 $ 218,000
Floyd, Indiana 2 $ 1,000,000 $ 500,000 $ 156,000
Henderson, Kentucky 2 $ 460,000 $ 230,000 $ 64,000
Cumberland, Maine 2 $ 790,000 $ 395,000 $ 252,000
Plymouth, Massachusetts 2 $ 1,090,000 $ 545,000 $ 142,000
Allegan, Michigan 2 $ 450,000 $ 225,000 $ 57,000
Oakland, Michigan 2 $ 500,000 $ 250,000 $ 128,000
Lee, Mississippi 2 $ 400,000 $ 200,000 $ 102,000
Tishomingo, Mississippi 2 $ 180,000 $ 90,000 $ 138,000
Merrimack, New Hampshire 2 $ 580,000 $ 290,000 $ 135,000
Allegheny, Pennsylvania 2 $ 390,000 $ 195,000 $ 62,000
Anderson, Tennessee 2 $ 480,000 $ 240,000 $ 64,000
Decatur, Tennessee 2 $ 380,000 $ 190,000 $ 54,000
Henry, Tennessee 2 $ 190,000 $ 95,000 $ 70,000
Jefferson, Tennessee 2 $ 1,030,000 $ 515,000 $ 209,000
Marion, Tennessee 2 $ 450,000 $ 225,000 $ 42,000
Rutherford, Tennessee 2 $ 350,000 $ 175,000 $ 70,000
Sumner, Tennessee 2 $ 490,000 $ 245,000 $ 138,000
Williamson, Tennessee 2 $ 480,000 $ 240,000 $ 81,000
Bell, Texas 2 $ 260,000 $ 130,000 $ 109,000
Bexar, Texas 2 $ 630,000 $ 315,000 $ 244,000
Johnson, Texas 2 $ 620,000 $ 310,000 $ 105,000
Pima, Arizona 1 $ 335,000 $ 335,000 $ 53,000
Pinal, Arizona 1 $ 495,000 $ 495,000 $ 92,000
Baxter, Arkansas 1 $ 125,000 $ 125,000 $ 241,000
Independence, Arkansas 1 $ 335,000 $ 335,000 $ 167,000
Mississippi, Arkansas 1 $ 215,000 $ 215,000 $ 180,000
Orange, California 1 $ 415,000 $ 415,000 $ 151,000
Riverside, California 1 $ 535,000 $ 535,000 $ 656,000
Adams, Colorado 1 $ 475,000 $ 475,000 $ 90,000
Larimer, Colorado 1 $ 355,000 $ 355,000 $ 80,000
Ouray, Colorado 1 $ 395,000 $ 395,000 $ 60,000
Litchfield, Connecticut 1 $ 245,000 $ 245,000 $ 80,000
Middlesex, Connecticut 1 $ 145,000 $ 145,000 $ 205,000
New London, Connecticut 1 $ 155,000 $ 155,000 $ 60,000
Tolland, Connecticut 1 $ 205,000 $ 205,000 $ 101,000
Bay, Florida 1 $ 325,000 $ 325,000 $ 175,000
Broward, Florida 1 $ 455,000 $ 455,000 $ 160,000
Charlotte, Florida 1 $ 445,000 $ 445,000 $ 129,000
Clay, Florida 1 $ 205,000 $ 205,000 $ 104,000
Hillsborough, Florida 1 $ 375,000 $ 375,000 $ 206,000
Leon, Florida 1 $ 105,000 $ 105,000 $ 251,000
Okaloosa, Florida 1 $ 145,000 $ 145,000 $ 104,000
Orange, Florida 1 $ 215,000 $ 215,000 $ 70,000
Clayton, Georgia 1 $ 195,000 $ 195,000 $ 95,000
Dougherty, Georgia 1 $ 65,000 $ 65,000 $ 75,000
Fulton, Georgia 1 $ 235,000 $ 235,000 $ 112,000
Gilmer, Georgia 1 $ 285,000 $ 285,000 $ 149,000
Henry, Georgia 1 $ 245,000 $ 245,000 $ 128,000
Laurens, Georgia 1 $ 225,000 $ 225,000 $ 108,000
Paulding, Georgia 1 $ 255,000 $ 255,000 $ 101,000
Ada, Idaho 1 $ 335,000 $ 335,000 $ 87,000
Macon, Illinois 1 $ 75,000 $ 75,000 $ 44,000
St. Clair, Illinois 1 $ 195,000 $ 195,000 $ 74,000
Lake, Indiana 1 $ 555,000 $ 555,000 $ 680,000
Hopkins, Kentucky 1 $ 25,000 $ 25,000 $ 0
Warren, Kentucky 1 $ 135,000 $ 135,000 $ 62,000
Oxford, Maine 1 $ 245,000 $ 245,000 $ 79,000
Penobscot, Maine 1 $ 285,000 $ 285,000 $ 165,000
St. Mary's, Maryland 1 $ 335,000 $ 335,000 $ 89,000
Berkshire, Massachusetts 1 $ 545,000 $ 545,000 $ 192,000
Hampden, Massachusetts 1 $ 375,000 $ 375,000 $ 116,000
Hampshire, Massachusetts 1 $ 275,000 $ 275,000 $ 79,000
Antrim, Michigan 1 $ 465,000 $ 465,000 $ 193,000
Berrien, Michigan 1 $ 205,000 $ 205,000 $ 0
Isabella, Michigan 1 $ 175,000 $ 175,000 $ 69,000
Macomb, Michigan 1 $ 215,000 $ 215,000 $ 115,000
Midland, Michigan 1 $ 225,000 $ 225,000 $ 125,000
Montcalm, Michigan 1 $ 135,000 $ 135,000 $ 39,000
Muskegon, Michigan 1 $ 155,000 $ 155,000 $ 51,000
Ottawa, Michigan 1 $ 265,000 $ 265,000 $ 59,000
Van Buren, Michigan 1 $ 465,000 $ 465,000 $ 165,000
Washtenaw, Michigan 1 $ 415,000 $ 415,000 $ 205,000
Alcorn, Mississippi 1 $ 265,000 $ 265,000 $ 72,000
Hinds, Mississippi 1 $ 85,000 $ 85,000 $ 98,000
Panola, Mississippi 1 $ 195,000 $ 195,000 $ 60,000
Pontotoc, Mississippi 1 $ 175,000 $ 175,000 $ 55,000
Prentiss, Mississippi 1 $ 145,000 $ 145,000 $ 44,000
Rankin, Mississippi 1 $ 65,000 $ 65,000 $ 98,000
Tate, Mississippi 1 $ 115,000 $ 115,000 $ 62,000
Winston, Mississippi 1 $ 205,000 $ 205,000 $ 44,000
Camden, New Jersey 1 $ 265,000 $ 265,000 $ 86,000
Middlesex, New Jersey 1 $ 205,000 $ 205,000 $ 89,000
Cumberland, North Carolina 1 $ 285,000 $ 285,000 $ 179,000
Wake, North Carolina 1 $ 405,000 $ 405,000 $ 265,000
Hamilton, Ohio 1 $ 105,000 $ 105,000 $ 78,000
Adams, Pennsylvania 1 $ 315,000 $ 315,000 $ 127,000
Berks, Pennsylvania 1 $ 435,000 $ 435,000 $ 249,000
Bucks, Pennsylvania 1 $ 295,000 $ 295,000 $ 76,000
Butler, Pennsylvania 1 $ 95,000 $ 95,000 $ 96,000
Montgomery, Pennsylvania 1 $ 545,000 $ 545,000 $ 135,000
Washington, Pennsylvania 1 $ 275,000 $ 275,000 $ 101,000
York, Pennsylvania 1 $ 265,000 $ 265,000 $ 112,000
Bristol, Rhode Island 1 $ 495,000 $ 495,000 $ 216,000
Kent, Rhode Island 1 $ 405,000 $ 405,000 $ 218,000
Bradley, Tennessee 1 $ 95,000 $ 95,000 $ 27,000
Campbell, Tennessee 1 $ 385,000 $ 385,000 $ 203,000
Carroll, Tennessee 1 $ 135,000 $ 135,000 $ 38,000
Cheatham, Tennessee 1 $ 545,000 $ 545,000 $ 109,000
Crockett, Tennessee 1 $ 85,000 $ 85,000 $ 39,000
Hawkins, Tennessee 1 $ 155,000 $ 155,000 $ 38,000
Lauderdale, Tennessee 1 $ 125,000 $ 125,000 $ 86,000
McMinn, Tennessee 1 $ 145,000 $ 145,000 $ 40,000
Montgomery, Tennessee 1 $ 255,000 $ 255,000 $ 40,000
Wilson, Tennessee 1 $ 315,000 $ 315,000 $ 204,000
Comal, Texas 1 $ 225,000 $ 225,000 $ 276,000
Coryell, Texas 1 $ 205,000 $ 205,000 $ 102,000
Fort Bend, Texas 1 $ 295,000 $ 295,000 $ 72,000
Galveston, Texas 1 $ 225,000 $ 225,000 $ 88,000
Grayson, Texas 1 $ 515,000 $ 515,000 $ 110,000
Hays, Texas 1 $ 335,000 $ 335,000 $ 65,000
Milam, Texas 1 $ 175,000 $ 175,000 $ 176,000
Montgomery, Texas 1 $ 205,000 $ 205,000 $ 105,000
Nueces, Texas 1 $ 265,000 $ 265,000 $ 65,000
Somervell, Texas 1 $ 365,000 $ 365,000 $ 128,000
Wilson, Texas 1 $ 275,000 $ 275,000 $ 228,000
Pittsylvania, Virginia 1 $ 215,000 $ 215,000 $ 48,000
Washington, Virginia 1 $ 315,000 $ 315,000 $ 71,000

Mortgage Loan Application Detail Totals for Brighton Bank in 2021

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 495 $121,635,000 $245,000 $1,495,000 $97,000 $680,000
Refinancing 170 $45,110,000 $265,000 $585,000 $137,000 $1,191,000
Cash-out Refinancing 154 $37,540,000 $243,000 $545,000 $132,000 $656,000
Other Purpose 4 $680,000 $170,000 $395,000 $219,000 $532,000
Home Improvement 3 $455,000 $151,000 $265,000 $83,000 $114,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 568 $141,790,000 $249,000 $605,000 $113,000 $1,191,000
Black or African American 97 $21,175,000 $218,000 $1,495,000 $72,000 $254,000
Not Provided 69 $21,865,000 $316,000 $575,000 $133,000 $680,000
Asian 46 $12,530,000 $272,000 $575,000 $163,000 $370,000
Hispanic 24 $5,470,000 $227,000 $525,000 $117,000 $328,000
Not applicable 20 $2,320,000 $116,000 $415,000 $0 $0
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $85,000 $85,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 587 $154,445,000 $263,000 $605,000 $131,000 $1,191,000
FHA-insured (Federal Housing Administration) 117 $23,815,000 $203,000 $485,000 $66,000 $226,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $8,995,000 $130,000 $265,000 $46,000 $87,000
VA-guaranteed (Veterans Administration) 53 $18,165,000 $342,000 $1,495,000 $108,000 $680,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 660 $157,720,000 $238,000 $1,495,000 $114,000 $1,191,000
Application Withdrawn By Applicant 139 $40,785,000 $293,000 $585,000 $103,000 $282,000
Application Denied By Financial Institution 22 $5,950,000 $270,000 $555,000 $123,000 $680,000
Application Approved But Not Accepted 3 $575,000 $191,000 $225,000 $121,000 $192,000
File Closed For Incompleteness 2 $390,000 $195,000 $285,000 $72,000 $78,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 826 $205,420,000 $248,000 $1,495,000 $113,000 $1,191,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Brighton Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Brighton Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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