Wheaton 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%
64th6.7% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 68 | 51 | 5.9% | 7.1% | — | $36M |
| 2024 | 77 | 66 | 5.2% | 5.7% | — | $54M |
| 2025 | 123 | 97 | 5.7% | 6.7% | — | $96M |
What Wheaton 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, 0 manufactured homes, 9 investment properties.
Why Wheaton Bank & Trust denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Wheaton Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 22 | 16 | 15.8% |
| Over $250k | 84 | 68 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 26 | 3.7% |
| 35–44 | 45 | 33 | 8.1% |
| 45–54 | 21 | 16 | 11.1% |
Where Wheaton Bank & Trust lends
14 states and 40 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 65 | 49 | 6.2% | — | #422 |
| California | 28 | 24 | 0.0% | — | #599 |
| Arizona | 5 | 4 | 20.0% | — | #619 |
| Iowa | 5 | 5 | 0.0% | — | #430 |
Frequently asked questions
Wheaton Bank & Trust denied 6.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of small mortgage lenders.
The most common reason Wheaton Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 28.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 60% of its applications were for home purchases, 38% for refinancing (including cash-out), and 2% 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.