Village Bank and Trust in California vs the state
0.0%Denial rate-17.42 pts vs state
0.0%Decision denial rate-22.40 pts vs state
90.5%Origination rate+34.28 pts vs state
—Median rate
—Rate spread (pts)
$277kMedian applicant income
19Loans originated
0Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 32 | 29 | 0.0% | — | #586 |
| 2025 | 21 | 19 | 0.0% | — | #630 |
What Village Bank and Trust lends in California
By loan purpose
By loan type
Where in California
Counties with the most Village Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 6 | 5 | 0 | 0.0% |
| Contra Costa County | 3 | 3 | 0 | 0.0% |
| Riverside County | 2 | 2 | 0 | 0.0% |
| Ventura County | 2 | 2 | 0 | 0.0% |
| San Francisco County | 2 | 2 | 0 | 0.0% |
| Alameda County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 1 | 1 | 0 | 0.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Santa Barbara County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 21 applications in 2025, of which 19 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Village Bank and Trust's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology