The Village Bank mortgage approval rate & lending review
The Village Bank decided 500 mortgage applications and funded 480 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Village Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Village Bank at a glance
Approval is 14.4 points above the 82.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 122 / 130 | 98% | $1.02M | 120 |
| Cash-out refinance | 82% | 27 / 33 | 100% | $755K | 27 |
| Investment property purchase | 100% | 236 / 236 | 100% | $1.69M | 235 |
| Investment cash-out refinance | 98% | 40 / 41 | 100% | $2.29M | 40 |
| Investment home improvement | 100% | 28 / 28 | 100% | $405K | 28 |
The Village Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 97% | $1.69M | 500 | 480 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Village Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Investment property purchase | 100% | 164 | 164 |
| Norfolk County, MA | Investment property purchase | 100% | 60 | 60 |
| Middlesex County, MA | Investment cash-out refinance | 97% | 34 | 33 |
| Middlesex County, MA | Investment home improvement | 100% | 23 | 23 |
| Middlesex County, MA | Cash-out refinance | 81% | 26 | 21 |
The county markets where The Village Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Village Bank
What is The Village Bank's mortgage approval rate?
The Village Bank approved 96.6% of the 500 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan The Village Bank offers?
Borrowers accepted 99% of the loans The Village Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Village Bank make?
The typical investment property mortgage loan The Village Bank made was $1.69M; across all loan types its typical loan ran from $405K to $2.29M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Village Bank lend?
The Village Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Massachusetts.
Can I apply to The Village Bank directly?
Yes. The Village Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Village Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Village Bank treats applications, then get a rate quote from the lender.