VILLAGE BANK AND TRUST FINANCIAL CORP.
VILLAGE BANK AND TRUST FINANCIAL CORP. received 30 applications in 2025 and made 17 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 7.700% on a median loan of $125,000. Of 27 decisions, 9 were denials — 33.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300NIJITDSZ8M7H32 |
|---|---|
| Applications received | 30 |
| Mortgages made | 17 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.935 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 11 | 7.500% | $65,000 | 42.9% |
Where VILLAGE BANK AND TRUST FINANCIAL CORP. lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chesterfield County, VA | 6 | Under 10 loans | 25.0% |
| Powhatan County, VA | 4 | Under 10 loans | 20.0% |
| Hanover County, VA | 3 | Under 10 loans | 25.0% |
| Henrico County, VA | 3 | Under 10 loans | 25.0% |
| Richmond city, VA | 1 | Under 10 loans | 33.3% |
| Amelia County, VA | 0 | Under 10 loans | 100.0% |
| Caroline County, VA | 0 | Under 10 loans | 100.0% |
| James City County, VA | 0 | Under 10 loans | Not published |
| New Kent County, VA | 0 | Under 10 loans | 100.0% |
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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.