Community Bank & Trust, Waco, Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
27th16.4% deniedProcesswithdrawn + incomplete share, weight 15%
10th25.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 210 | 145 | 10.5% | 13.2% | — | $52M |
| 2024 | 199 | 120 | 10.1% | 14.2% | — | $42M |
| 2025 | 180 | 112 | 12.2% | 16.4% | — | $29M |
What Community Bank & Trust, Waco, Texas 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, 31 investment properties.
Who gets approved at Community Bank & Trust, Waco, Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 8 | 38.5% |
| $50k – $100k | 48 | 30 | 18.9% |
| $100k – $150k | 24 | 16 | 15.8% |
| $150k – $250k | 45 | 30 | 9.1% |
| Over $250k | 23 | 14 | 6.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 36 | 20 | 20.0% |
| 45–54 | 30 | 16 | 23.8% |
| 55–64 | 27 | 20 | 9.1% |
| 65–74 | 36 | 25 | 16.7% |
Where Community Bank & Trust, Waco, Texas lends
2 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 150 | 101 | 11.3% | — | #475 |
Frequently asked questions
Community Bank & Trust, Waco, Texas denied 16.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of small mortgage lenders.
In 2025, 51% of its applications were for home purchases, 23% for refinancing (including cash-out), and 26% 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.