# WILSON BANK AND TRUST

> **Canonical URL:** https://saferate.com/lenders/wilson-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


WILSON BANK AND TRUST is a bank, headquartered in LEBANON, TN, serving borrowers across 4 states, with 571 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900PVWALA7JTBXA31
- **Headquarters:** LEBANON, TN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, GA, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.296%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,039
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 571
- **Dollar Volume:** $248 million
- **Applications Received:** 810
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $434,667
- **Average Borrower Income:** $183,916
- **Average Property Value:** $704,860

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 495 | +0.289% | $2,005 | Strong 😀 |
| FHA | 53/100 | 19 | +0.775% | $610 | Sound ☺️ |
| Jumbo | 75/100 | 46 | +0.236% | $3,009 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 401 loans, Score: 61/100 (Strong)
- Refinance: 94 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 36 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 464 | $210M | +0.310% | Strong 😀 |
| Refinance | 61/100 | 107 | $38M | +0.262% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 560 | 0.61% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 475 | 91/100 |
| Non |  | 71 | 48/100 |
| Chattanooga, TN | TN-GA | 11 | 44/100 |

## Where This Lender Ranks

WILSON BANK AND TRUST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Tennessee for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#19** in Nashville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/va-loans)
- 🏆 **#20** in Tennessee for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#20** in Nashville for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does WILSON BANK AND TRUST offer?

WILSON BANK AND TRUST offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does WILSON BANK AND TRUST offer mortgages?

WILSON BANK AND TRUST offers mortgages in 4 states: AL, FL, GA, TN.

### How competitive are WILSON BANK AND TRUST's mortgage rates?

WILSON BANK AND TRUST has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.296% above market average.

### What type of lender is WILSON BANK AND TRUST?

WILSON BANK AND TRUST is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in LEBANON, TN.

### What is WILSON BANK AND TRUST's loan approval success rate?

WILSON BANK AND TRUST has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/wilson-bank-and-trust

### How to Cite

> "WILSON BANK AND TRUST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wilson-bank-and-trust

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