Wilson Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Wilson Bank And Trust 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Wilson Bank And Trust 623 West Main Street Lebanon, TN 37087 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,275 |
| Total Mortgage Loan Application Amount | $706,275,000 |
| Average Mortgage Loan Application Amount | $260,800 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $167,800 |
| Highest Applicant Income | $4,811,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Wilson Bank And Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Wilson Bank And Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Wilson Bank And Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Wilson Bank And Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Wilson Bank And Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Wilson Bank And Trust's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wilson County Tennessee | 612 | $ 133,680,000 | $ 218,000 | $ 164,000 |
| Davidson County Tennessee | 453 | $ 202,795,000 | $ 447,000 | $ 246,000 |
| Rutherford County Tennessee | 311 | $ 89,495,000 | $ 287,000 | $ 181,000 |
| Sumner County Tennessee | 173 | $ 46,765,000 | $ 270,000 | $ 200,000 |
| Williamson County Tennessee | 127 | $ 69,095,000 | $ 544,000 | $ 309,000 |
| Smith County Tennessee | 80 | $ 12,280,000 | $ 153,000 | $ 116,000 |
| DeKalb County Tennessee | 75 | $ 11,005,000 | $ 146,000 | $ 131,000 |
| Putnam County Tennessee | 59 | $ 9,355,000 | $ 158,000 | $ 106,000 |
| Trousdale County Tennessee | 56 | $ 10,530,000 | $ 188,000 | $ 112,000 |
| Hamilton County Tennessee | 29 | $ 26,855,000 | $ 926,000 | $ 384,000 |
| Robertson County Tennessee | 24 | $ 5,760,000 | $ 240,000 | $ 106,000 |
| Maury County Tennessee | 22 | $ 7,660,000 | $ 348,000 | $ 301,000 |
| Bedford County Tennessee | 18 | $ 7,180,000 | $ 398,000 | $ 165,000 |
| Coffee County Tennessee | 14 | $ 3,340,000 | $ 238,000 | $ 124,000 |
| Macon County Tennessee | 13 | $ 1,945,000 | $ 149,000 | $ 73,000 |
| White County Tennessee | 13 | $ 2,545,000 | $ 195,000 | $ 79,000 |
| Cannon County Tennessee | 11 | $ 1,925,000 | $ 175,000 | $ 110,000 |
| Jackson County Tennessee | 8 | $ 770,000 | $ 96,000 | $ 107,000 |
| Overton County Tennessee | 8 | $ 2,350,000 | $ 293,000 | $ 129,000 |
| Cheatham County Tennessee | 7 | $ 1,625,000 | $ 232,000 | $ 191,000 |
| Montgomery County Tennessee | 7 | $ 1,675,000 | $ 239,000 | $ 121,000 |
| Dickson County Tennessee | 6 | $ 1,970,000 | $ 328,000 | $ 312,000 |
| Cumberland County Tennessee | 5 | $ 565,000 | $ 113,000 | $ 96,000 |
| Marshall County Tennessee | 5 | $ 1,455,000 | $ 291,000 | $ 136,000 |
| Warren County Tennessee | 4 | $ 2,820,000 | $ 705,000 | $ 80,000 |
| Clay County Tennessee | 3 | $ 425,000 | $ 141,000 | $ 71,000 |
| Cocke County Tennessee | 3 | $ 2,325,000 | $ 775,000 | $ 148,000 |
| Lincoln County Tennessee | 3 | $ 315,000 | $ 105,000 | $ 123,000 |
| Baldwin County Alabama | 2 | $ 960,000 | $ 480,000 | $ 338,000 |
| Franklin County Tennessee | 2 | $ 350,000 | $ 175,000 | $ 52,000 |
| Humphreys County Tennessee | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Knox County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Lawrence County Tennessee | 2 | $ 250,000 | $ 125,000 | $ 39,000 |
| Sevier County Tennessee | 2 | $ 760,000 | $ 380,000 | $ 280,000 |
| Madison County Alabama | 1 | $ 165,000 | $ 165,000 | $ 141,000 |
| Bay County Florida | 1 | $ 185,000 | $ 185,000 | $ 745,000 |
| Broward County Florida | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Escambia County Florida | 1 | $ 495,000 | $ 495,000 | $ 471,000 |
| Walton County Florida | 1 | $ 2,735,000 | $ 2,735,000 | $ 0 |
| Catoosa County Georgia | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Fannin County Georgia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Floyd County Georgia | 1 | $ 105,000 | $ 105,000 | $ 395,000 |
| Forsyth County Georgia | 1 | $ 265,000 | $ 265,000 | $ 439,000 |
| Troup County Georgia | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Allen County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 459,000 |
| Christian County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 369,000 |
| Warren County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lafayette County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 541,000 |
| Beaufort County South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Benton County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Bradley County Tennessee | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Claiborne County Tennessee | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Fentress County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 414,000 |
| Grundy County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Hardeman County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Jefferson County Tennessee | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Lewis County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Pickett County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Rhea County Tennessee | 1 | $ 605,000 | $ 605,000 | $ 442,000 |
| Shelby County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Wilson Bank And Trust in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 996 | $448,560,000 | $450,000 | $15,005,000 | $203,000 | $2,518,000 |
| Other Purpose | 595 | $82,235,000 | $138,000 | $1,005,000 | $155,000 | $2,974,000 |
| Refinancing | 348 | $116,620,000 | $335,000 | $9,715,000 | $186,000 | $2,012,000 |
| Home Improvement | 311 | $53,625,000 | $172,000 | $10,405,000 | $187,000 | $4,811,000 |
| Cash-out Refinancing | 25 | $5,235,000 | $209,000 | $465,000 | $108,000 | $327,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,669 | $422,395,000 | $253,000 | $3,505,000 | $178,000 | $4,811,000 |
| Not applicable | 205 | $169,015,000 | $824,000 | $15,005,000 | $0 | $0 |
| Black or African American | 171 | $48,175,000 | $281,000 | $1,695,000 | $125,000 | $707,000 |
| Hispanic | 103 | $20,525,000 | $199,000 | $725,000 | $128,000 | $805,000 |
| Asian | 76 | $26,010,000 | $342,000 | $2,965,000 | $514,000 | $3,706,000 |
| Not Provided | 32 | $15,100,000 | $471,000 | $4,605,000 | $173,000 | $835,000 |
| American Indian or Alaskan Native | 5 | $1,495,000 | $299,000 | $575,000 | $145,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $400,000 | $100,000 | $195,000 | $105,000 | $225,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,201 | $680,365,000 | $309,000 | $15,005,000 | $186,000 | $4,811,000 |
| FHA-insured (Federal Housing Administration) | 54 | $17,660,000 | $327,000 | $885,000 | $92,000 | $229,000 |
| VA-guaranteed (Veterans Administration) | 13 | $6,635,000 | $510,000 | $825,000 | $137,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,615,000 | $230,000 | $265,000 | $79,000 | $111,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,569 | $515,575,000 | $328,000 | $15,005,000 | $204,000 | $4,811,000 |
| Application Withdrawn By Applicant | 216 | $70,980,000 | $328,000 | $3,505,000 | $178,000 | $2,012,000 |
| Application Denied By Financial Institution | 209 | $36,785,000 | $176,000 | $2,665,000 | $101,000 | $805,000 |
| Application Approved But Not Accepted | 194 | $53,780,000 | $277,000 | $2,705,000 | $175,000 | $1,750,000 |
| Preapproval Approved but not Accepted | 44 | $15,200,000 | $345,000 | $1,405,000 | $91,000 | $292,000 |
| Preapproval Denied by Financial Institution | 43 | $13,955,000 | $324,000 | $695,000 | $75,000 | $273,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,023 | $655,535,000 | $324,000 | $15,005,000 | $195,000 | $4,811,000 |
| Debt-To-Income Ratio | 130 | $28,190,000 | $216,000 | $2,665,000 | $78,000 | $294,000 |
| Credit History | 87 | $16,035,000 | $184,000 | $2,045,000 | $104,000 | $400,000 |
| Collateral | 24 | $3,650,000 | $152,000 | $885,000 | $179,000 | $805,000 |
| Other | 7 | $1,735,000 | $247,000 | $435,000 | $100,000 | $229,000 |
| Employment History | 3 | $985,000 | $328,000 | $475,000 | $91,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson Bank And Trust's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wilson Bank And Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.