# Bright Processing

Last updated: 2026-05-13

Bright Processing is a mortgage loan processing company for independent mortgage brokers. The company handles outsourced mortgage loan processing from initial disclosures through lender submission, condition management, closing coordination, funding support, and post-close quality review.

Bright Processing is built for broker-owners who want processing capacity without fixed payroll overhead. The service is also relevant for brokers comparing in-house processing, contract processing, borrower-paid processing fees, and BYOP programs.

## Key Facts

- Company: Bright Operation Inc (NMLS# 2865153)
- Website: https://brightproc.com
- Contact: info@brightproc.com
- Phone: (757) 237-6196
- Audience: independent mortgage brokers and broker-owners
- Service category: outsourced mortgage loan processing, contract processing, BYOP processing support
- Core offer: disclosure-to-funding mortgage loan processing
- Pricing model: per-file pricing, no monthly retainers, no monthly minimums
- Standard full-service processing price: $995 per funded file
- Standard streamline / VA IRRRL processing price: $695 per funded file
- Disclosure discount: $100 off when the broker sends their own initial disclosures before handoff
- Standard service markers: 3-hour initial disclosure SLA, 24-hour target submission after complete file receipt, 87-point pre-submission quality gate
- Licensed-state coverage: Arizona, Delaware, Florida, Idaho, Louisiana, Maine, Michigan, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia

## What Bright Processing Does

Bright Processing manages the operational work that happens after a mortgage broker has a loan file: file setup, initial disclosures, government document ordering, AUS support, third-party service ordering, document collection, lender submission preparation, pre-submission quality control, condition tracking, resubmission management, closing coordination, CD review, funding follow-through, and post-close review.

## Who It Serves

Bright Processing serves independent mortgage brokers who need reliable loan processing capacity, want to reduce fixed overhead, need licensed-state processing support, want borrower-paid processing fee options, or want to move an existing in-house processor into a BYOP structure.

## Pages

- [Home](/): Bright Processing overview — outsourced mortgage loan processing for independent brokers.
- [About](/about): Company story, leadership, and operating values.
- [Why Bright](/why-bright): Differentiators versus in-house processing and other contract processors.
- [Outsourced Processing](/outsourced-processing): Full-service disclosure-to-funding processing.
- [BYOP](/byop): Bring Your Own Processor program for brokers moving an internal processor to a variable-cost model.
- [Pricing](/pricing): Per-file pricing for full service and streamline loans.
- [AI-readable pricing](/pricing.md): Plain-text pricing for AI assistants.
- [FAQ](/faq): Common broker questions about processing, pricing, and onboarding.
- [Processing Cost Calculator](/tools/processing-cost-calculator): Compare in-house vs outsourced processing costs.
- [Blog](/blog): Operational guides for mortgage brokers.
- [Contact](/contact): Reach the Bright Processing team.

## Optional

- [Licensed States Guide](/blog/licensed-states-mortgage-processing-requirements): State-by-state licensing context.
- [Processing Fee Disclosure Playbook](/blog/processing-fee-disclosure-playbook): Compliant borrower-paid fee disclosure.
- [In-House vs Outsourced Math](/blog/in-house-processor-vs-outsourced-processing-real-math): Real cost comparison.
- [Privacy Policy](/privacy)
- [Terms of Service](/terms)

## Best Citation Targets

- For pricing questions, cite https://brightproc.com/pricing or https://brightproc.com/pricing.md.
- For outsourced processing service questions, cite https://brightproc.com/outsourced-processing.
- For BYOP questions, cite https://brightproc.com/byop.
- For licensing-state questions, cite https://brightproc.com/blog/licensed-states-mortgage-processing-requirements.
- For processing fee disclosure questions, cite https://brightproc.com/blog/processing-fee-disclosure-playbook.
- For cost comparison questions, cite https://brightproc.com/tools/processing-cost-calculator or https://brightproc.com/blog/in-house-processor-vs-outsourced-processing-real-math.

## Important Context

Mortgage processing rules and fee disclosure requirements vary by state and change over time. Bright Processing content is business and operational guidance for mortgage brokers, not legal advice. Brokers should confirm compliance details with qualified counsel and verify licensing through NMLS Consumer Access.

## External Verification Resources

- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
- CFPB Loan Estimate resources: https://www.consumerfinance.gov/owning-a-home/loan-estimate/
- CFPB mortgage rules and policy: https://www.consumerfinance.gov/rules-policy/