Looking for a different lender?
W
WILSON BANK AND TRUST
Bank|LEBANON, TN|Regional
Loans Originated
571
Applications
810
Volume
$248 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.296%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,039
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
WILSON BANK AND TRUST performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$434,667
Average Borrower Income
$183,916
Average Property Value
$704,860
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 495 | 86.7% | +0.289% | $2,005 |
FHA Loans | Sound | Sound | N/A | Strong | 19 | 3.3% | +0.775% | $610 |
Jumbo Loans | Strong | Strong | N/A | Strong | 46 | 8.1% | +0.236% | $3,009 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 464 | 81.3% | +0.310% | $2,089 |
Refinance | Acceptable | Strong | Mediocre | Sound | 107 | 18.7% | +0.262% | $1,913 |
Geographic Coverage
Metro Areas
2
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLGATN
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 475Mix: 83.19%
Place Specialization
Exceptional
2
Chattanooga, TN, TN-GAMSA
Volume: 11Mix: 1.93%
Place Specialization
Sound
Top States by Place Specialization Score
1
TNState
Volume: 560Mix: 98.07%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare WILSON BANK AND TRUST with other lenders or get personalized recommendations.