Lender profile · HMDA 2023–2025
Wilson Bank and Trust mortgage approval rates & lending data
Wilson Bank and Trust decided 3,209 mortgage applications and funded 2,626 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% | 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 |
| Alabama | 90% | $485K | 10 | 9 |
| Florida | 86% | $75K | 7 | 6 |
| Kentucky | 100% | $75K | 2 | 2 |
| South Carolina | 100% | $1M | 2 | 2 |
| Arkansas | 100% | — | 1 | 0 |
| Georgia | 100% | — | 1 | 0 |
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.