WILSON BANK AND TRUST
WILSON BANK AND TRUST received 1,968 applications in 2025 and made 1,358 mortgages, in 58 counties across 8 states. The median rate its borrowers got was 7.000% on a median loan of $265,000. Of 1,763 decisions, 224 were denials — 12.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900PVWALA7JTBXA31 |
|---|---|
| Applications received | 1,968 |
| Mortgages made | 1,358 |
| Denied | 224 |
| Approved, not taken up | 181 |
| Withdrawn or incomplete | 205 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.462 points |
| FDIC-insured bank | Yes: Wilson Bank and Trust, 32 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 585 | 6.650% | $365,000 | 5.0% |
| Refinancing | 270 | 7.000% | $255,000 | 11.0% |
| Cash-out refinancing | 23 | 6.750% | $225,000 | 15.6% |
| Other purposes | 480 | 8.000% | $105,000 | 21.1% |
Where WILSON BANK AND TRUST lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wilson County, TN | 366 | 7.245% | 10.1% |
| Davidson County, TN | 264 | 6.990% | 11.8% |
| Rutherford County, TN | 190 | 7.220% | 16.3% |
| Sumner County, TN | 107 | 6.990% | 16.2% |
| Williamson County, TN | 58 | 7.095% | 19.1% |
| Smith County, TN | 54 | 6.990% | 5.8% |
| Trousdale County, TN | 50 | 7.183% | 7.0% |
| DeKalb County, TN | 49 | 6.990% | 19.1% |
| Putnam County, TN | 46 | 7.220% | 15.0% |
| Hamilton County, TN | 22 | 7.220% | 11.1% |
| Macon County, TN | 14 | 7.470% | 6.3% |
| Maury County, TN | 14 | 6.313% | 11.8% |
| Cannon County, TN | 10 | 6.650% | 21.4% |
| Madison County, AL | 9 | Under 10 loans | 0.0% |
| Jackson County, TN | 9 | Under 10 loans | 10.0% |
| Robertson County, TN | 8 | Under 10 loans | 11.1% |
| Bedford County, TN | 7 | Under 10 loans | 11.1% |
| Cumberland County, TN | 7 | Under 10 loans | 11.1% |
| Warren County, TN | 7 | Under 10 loans | 20.0% |
| White County, TN | 7 | Under 10 loans | 20.0% |
| Coffee County, TN | 6 | Under 10 loans | 0.0% |
| Overton County, TN | 6 | Under 10 loans | 14.3% |
| Dickson County, TN | 5 | Under 10 loans | 14.3% |
| Marshall County, TN | 5 | Under 10 loans | 0.0% |
| Cheatham County, TN | 4 | Under 10 loans | 0.0% |
| Anderson County, TN | 3 | Under 10 loans | 0.0% |
| Sevier County, TN | 3 | Under 10 loans | 0.0% |
| Catoosa County, GA | 2 | Under 10 loans | 0.0% |
| Walker County, GA | 2 | Under 10 loans | 0.0% |
| Bradley County, TN | 2 | Under 10 loans | 50.0% |
| Franklin County, TN | 2 | Under 10 loans | 33.3% |
| Montgomery County, TN | 2 | Under 10 loans | 20.0% |
| Gulf County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Anderson County, KY | 1 | Under 10 loans | 0.0% |
| Livingston County, KY | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Clay County, TN | 1 | Under 10 loans | 0.0% |
| Fentress County, TN | 1 | Under 10 loans | 0.0% |
| Henry County, TN | 1 | Under 10 loans | 0.0% |
| Hickman County, TN | 1 | Under 10 loans | 0.0% |
| Lawrence County, TN | 1 | Under 10 loans | 0.0% |
| Loudon County, TN | 1 | Under 10 loans | 0.0% |
| Moore County, TN | 1 | Under 10 loans | 0.0% |
| Polk County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Van Buren County, TN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.