Lender profile · HMDA 2023–2025
The Village Bank mortgage approval rates & lending data
The Village Bank decided 500 mortgage applications and funded 480 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.