Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
57th8.3% deniedProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 180 | 160 | 1.7% | 1.8% | — | $20M |
| 2024 | 185 | 158 | 6.0% | 6.4% | — | $22M |
| 2025 | 217 | 174 | 7.4% | 8.3% | — | $27M |
What Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 45 investment properties.
Who gets approved at Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 17 | 15.0% |
| $50k – $100k | 72 | 52 | 10.0% |
| $100k – $150k | 51 | 44 | 2.2% |
| $150k – $250k | 44 | 34 | 14.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 31 | 5.9% |
| 35–44 | 25 | 16 | 23.8% |
| 45–54 | 53 | 38 | 13.0% |
| 55–64 | 36 | 32 | 8.6% |
Where Bank & Trust lends
4 states and 26 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bank & Trust denied 8.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 21% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.