Wilson Bank and Trust mortgage approval rate & lending review
Wilson Bank and Trust decided 3,209 mortgage applications and funded 2,626 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wilson Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wilson Bank and Trust at a glance
Approval is 12.4 points above the 80.0% 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% | 1,170 / 1,244 | 87% | $365K | 1,022 |
| Home improvement loans | 86% | 457 / 531 | 86% | $95K | 392 |
| Cash-out refinance | 81% | 48 / 59 | 88% | $255K | 42 |
| Refinance | 86% | 469 / 544 | 87% | $175K | 406 |
| Investment property purchase | 99% | 565 / 571 | 94% | $335K | 530 |
| Investment refinance | 99% | 206 / 209 | 91% | $255K | 188 |
| Investment home improvement | 98% | 44 / 45 | 93% | $205K | 41 |
Wilson Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 92% | $335K | 3,186 | 2,607 |
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 Wilson Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Mortgage lenders | 93% | 345 | 296 |
| Wilson County, TN | Mortgage lenders | 96% | 335 | 278 |
| Davidson County, TN | Investment property purchase | 99% | 295 | 274 |
| Rutherford County, TN | Mortgage lenders | 93% | 239 | 197 |
| Wilson County, TN | Home improvement loans | 87% | 255 | 193 |
| Wilson County, TN | Refinance | 91% | 233 | 183 |
| Sumner County, TN | Mortgage lenders | 93% | 134 | 105 |
| Davidson County, TN | Investment refinance | 100% | 101 | 93 |
| Rutherford County, TN | Investment property purchase | 98% | 94 | 90 |
| Williamson County, TN | Mortgage lenders | 90% | 121 | 89 |
| Rutherford County, TN | Home improvement loans | 85% | 117 | 85 |
| Rutherford County, TN | Refinance | 84% | 107 | 76 |
The county markets where Wilson Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Wilson Bank and Trust
What is Wilson Bank and Trust's mortgage approval rate?
Wilson Bank and Trust approved 92.4% of the 3,209 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.4 points above the 80.0% national rate for the same mix of loan types.
How often do borrowers take the loan Wilson Bank and Trust offers?
Borrowers accepted 89% of the loans Wilson Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wilson Bank and Trust make?
The typical home purchase mortgage loan Wilson Bank and Trust made was $365K; across all loan types its typical loan ran from $95K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wilson Bank and Trust lend?
Wilson Bank and Trust decided applications in 7 of the states Fat Boy Data covers, most of them in Tennessee, Alabama and Florida.
Can I apply to Wilson Bank and Trust directly?
Yes. Wilson Bank and Trust is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wilson Bank and Trust'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 Wilson Bank and Trust treats applications, then get a rate quote from the lender.