Community Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
30th15.2% deniedProcesswithdrawn + incomplete share, weight 15%
88th2.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 167 | 110 | 16.2% | 16.6% | — | $15M |
| 2024 | 176 | 112 | 15.9% | 16.1% | — | $16M |
| 2025 | 182 | 127 | 14.8% | 15.2% | — | $22M |
What Community Bank and 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, 4 manufactured homes, 36 investment properties.
Why Community Bank and Trust denies applications
Primary reason reported for each of the 27 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 19 | 27.8% |
| $50k – $100k | 72 | 53 | 15.5% |
| $100k – $150k | 23 | 17 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 19 | 18.5% |
| 35–44 | 32 | 20 | 12.9% |
| 45–54 | 24 | 18 | 16.7% |
| 55–64 | 37 | 27 | 16.2% |
| 65–74 | 23 | 18 | 9.1% |
Where Community Bank and Trust lends
5 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Community Bank and Trust denied 15.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
The most common reason Community Bank and Trust gave in 2025 was "credit history", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 51% of its applications were for home purchases, 26% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 93% conventional, 4% FHA, 1% 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.