Village 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 A 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%
93rd1.0% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 36 | 24 | 8.3% | 11.1% | — | $16M |
| 2024 | 102 | 91 | 0.0% | 0.0% | — | $88M |
| 2025 | 119 | 102 | 0.8% | 1.0% | — | $86M |
What Village 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, 0 manufactured homes, 22 investment properties.
Why Village Bank and Trust denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Village Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 25 | 23 | 4.2% |
| Over $250k | 50 | 40 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 22 | 0.0% |
| 35–44 | 39 | 32 | 0.0% |
Where Village Bank and Trust lends
15 states and 45 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Village Bank and Trust denied 1.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of small mortgage lenders.
The most common reason Village Bank and Trust gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 61% of its applications were for home purchases, 36% for refinancing (including cash-out), and 3% 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.