Purchase Originations
358
Median Total Costs
$6,459
−3.3% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,390
Median Lender Credits
$125
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 143 | 6.625% | $6,011 | $1,390 |
| va | 110 | 6.625% | $3,829 | $0 |
| fha | 83 | 6.375% | $10,577 | $2,274 |
| usda | 22 | 6.250% | $6,251 | $1,701 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 105 | 6.375% | $6,261 | #124 |
| New Jersey | 55 | 6.625% | $7,224 | #149 |
| Texas | 38 | 6.625% | $9,174 | — |
| Illinois | 25 | 6.625% | $8,154 | — |
| Florida | 15 | 6.625% | $8,119 | — |
| Georgia | 13 | 6.625% | $8,444 | — |
| Colorado | 11 | 6.625% | $4,806 | — |
| Mississippi | 9 | 6.490% | $5,498 | — |
| Ohio | 9 | 6.624% | $4,517 | — |
| Missouri | 6 | 6.688% | $0 | — |
| North Carolina | 6 | 6.750% | $1,838 | — |
| Virginia | 6 | 6.558% | $5,092 | — |
| Kentucky | 5 | 6.375% | $12,685 | — |
| New York | 5 | 6.750% | $5,154 | — |
| South Carolina | 5 | 6.625% | $5,835 | — |
| Alabama | 4 | 6.562% | $2,033 | — |
| Connecticut | 4 | 6.375% | $7,468 | — |
| Kansas | 4 | 6.438% | $5,849 | — |
| Indiana | 3 | 6.625% | $6,166 | — |
| Louisiana | 3 | 7.125% | $0 | — |
| Minnesota | 3 | 6.750% | $0 | — |
| California | 2 | 6.058% | $5,743 | — |
| Iowa | 2 | 6.188% | $5,112 | — |
| Maine | 2 | 6.188% | $4,359 | — |
| New Mexico | 2 | 6.000% | $0 | — |
| Nevada | 2 | 6.000% | $12,188 | — |
| Oregon | 2 | 6.990% | $6,260 | — |
| Pennsylvania | 2 | 6.558% | $12,331 | — |
| Washington | 2 | 6.500% | $11,873 | — |
| Wisconsin | 2 | 6.245% | $4,960 | — |
| Alaska | 1 | 6.500% | $5,566 | — |
| Arizona | 1 | 6.750% | $750 | — |
| Maryland | 1 | 7.125% | $5,234 | — |
| Michigan | 1 | 6.750% | $4,069 | — |
| Oklahoma | 1 | 6.250% | $9,249 | — |
| Utah | 1 | 6.625% | $0 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,414 | 6.750% | — | 4 | −$2,045 | |
| 2 | $4,542 | 6.490% | — | 7 | −$1,917 | |
| 3 | $5,006 | 6.312% | — | 6 | −$1,453 | |
| 4 | $5,319 | 6.688% | — | 4 | −$1,140 | |
| 5 | $5,448 | 6.625% | — | 4 | −$1,011 | |
| 6 | $5,651 | 6.375% | — | 37 | −$808 | |
| 7 | $6,035 | 6.625% | — | 3 | −$424 | |
| 8 | $6,493 | 6.875% | — | 19 | +$34 | |
| 9 | $7,156 | 6.500% | — | 5 | +$697 | |
| 10 | $7,224 | 6.375% | — | 25 | +$765 | |
| 11 | $7,749 | 6.562% | — | 8 | +$1,290 | |
| 12 | $8,016 | 6.990% | — | 3 | +$1,557 | |
| 13 | $8,154 | 6.625% | — | 11 | +$1,695 | |
| 14 | $8,260 | 6.870% | — | 8 | +$1,801 | |
| 15 | $8,952 | 6.750% | — | 5 | +$2,493 | |
| 16 | $9,237 | 6.625% | — | 12 | +$2,778 | |
| 17 | $9,518 | 6.500% | — | 3 | +$3,059 | |
| 18 | $12,753 | 6.808% | — | 6 | +$6,294 | |
| 19 | $14,554 | 6.125% | — | 9 | +$8,095 | |
| 20 | $15,856 | 6.625% | — | 6 | +$9,397 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Brighton Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $6,459 | $7,127 | −$668 (−9.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.