Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 399 mortgage applications totaling $99.7 million, up 8% from 2024. The average application was for $249,962, and applicants reported an average income of $139,042. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (239), Elizabethtown-Fort Knox, KY (55) and Bowling Green, KY (5) (applications in parentheses).
| Mortgage Company & Address | Wilson & Muir Bank & Trust Company 107 N Third St Bardstown, KY 40004 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 399 |
| Total Mortgage Loan Application Amount | $99,735,000 |
| Average Mortgage Loan Application Amount | $249,962 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $139,042 |
| Highest Applicant Income | $1,069,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Kentucky | 145 | $ 39,585,000 | $ 273,000 | $ 170,000 |
| Grayson, Kentucky | 64 | $ 12,150,000 | $ 189,843 | $ 103,000 |
| Nelson, Kentucky | 61 | $ 13,265,000 | $ 217,459 | $ 95,000 |
| Hardin, Kentucky | 48 | $ 11,040,000 | $ 230,000 | $ 128,000 |
| Oldham, Kentucky | 12 | $ 4,630,000 | $ 385,833 | $ 208,000 |
| Larue, Kentucky | 7 | $ 2,245,000 | $ 320,714 | $ 146,000 |
| Logan, Kentucky | 6 | $ 1,320,000 | $ 220,000 | $ 87,000 |
| Clark, Indiana | 5 | $ 1,375,000 | $ 275,000 | $ 102,000 |
| Bullitt, Kentucky | 5 | $ 1,075,000 | $ 215,000 | $ 114,000 |
| Fayette, Kentucky | 5 | $ 1,695,000 | $ 339,000 | $ 164,000 |
| Breckinridge, Kentucky | 4 | $ 830,000 | $ 207,500 | $ 100,000 |
| Warren, Kentucky | 4 | $ 1,290,000 | $ 322,500 | $ 117,000 |
| Floyd, Indiana | 3 | $ 645,000 | $ 215,000 | $ 100,000 |
| Shelby, Kentucky | 3 | $ 955,000 | $ 318,333 | $ 419,000 |
| Spencer, Kentucky | 3 | $ 685,000 | $ 228,333 | $ 96,000 |
| Madison, Kentucky | 2 | $ 420,000 | $ 210,000 | $ 105,000 |
| Mercer, Kentucky | 2 | $ 610,000 | $ 305,000 | $ 134,000 |
| Pinellas, Florida | 1 | $ 315,000 | $ 315,000 | $ 350,000 |
| Hamilton, Indiana | 1 | $ 475,000 | $ 475,000 | $ 218,000 |
| Scott, Indiana | 1 | $ 465,000 | $ 465,000 | $ 258,000 |
| Washington, Indiana | 1 | $ 125,000 | $ 125,000 | $ 307,000 |
| Boone, Kentucky | 1 | $ 605,000 | $ 605,000 | $ 275,000 |
| Calloway, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Daviess, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Edmonson, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Garrard, Kentucky | 1 | $ 315,000 | $ 315,000 | $ 297,000 |
| Green, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 115,000 |
| Hart, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Marion, Kentucky | 1 | $ 535,000 | $ 535,000 | $ 120,000 |
| Meade, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 146,000 |
| Muhlenberg, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Simpson, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 166,000 |
| Taylor, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 276,000 |
| Washington, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Wolfe, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Platte, Missouri | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Outagamie, Wisconsin | 1 | $ 395,000 | $ 395,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2025
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 | 269 | $67,635,000 | $251,000 | $1,245,000 | $134,000 | $1,069,000 |
| Refinancing | 102 | $27,810,000 | $272,000 | $1,685,000 | $168,000 | $780,000 |
| Other Purpose | 15 | $1,875,000 | $125,000 | $555,000 | $66,000 | $94,000 |
| Cash-out Refinancing | 7 | $2,025,000 | $289,000 | $515,000 | $118,000 | $240,000 |
| Home Improvement | 6 | $390,000 | $65,000 | $205,000 | $80,000 | $136,000 |
| 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 | 313 | $79,655,000 | $254,000 | $1,685,000 | $138,000 | $1,069,000 |
| Not applicable | 65 | $13,365,000 | $205,000 | $555,000 | $0 | $0 |
| Not Provided | 10 | $2,950,000 | $295,000 | $575,000 | $135,000 | $296,000 |
| Hispanic | 7 | $1,835,000 | $262,000 | $645,000 | $123,000 | $230,000 |
| Asian | 4 | $1,930,000 | $482,000 | $1,245,000 | $230,000 | $507,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 356 | $88,310,000 | $248,000 | $1,685,000 | $143,000 | $1,069,000 |
| FHA-insured (Federal Housing Administration) | 27 | $7,175,000 | $265,000 | $395,000 | $104,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,580,000 | $197,000 | $285,000 | $72,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,670,000 | $333,000 | $685,000 | $132,000 | $245,000 |
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 | 352 | $88,290,000 | $250,000 | $1,685,000 | $144,000 | $1,069,000 |
| Application Withdrawn By Applicant | 34 | $8,990,000 | $264,000 | $795,000 | $112,000 | $350,000 |
| Application Denied By Financial Institution | 12 | $2,240,000 | $186,000 | $385,000 | $68,000 | $126,000 |
| Application Approved But Not Accepted | 1 | $215,000 | $215,000 | $215,000 | $54,000 | $54,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 399 | $99,735,000 | $249,000 | $1,685,000 | $138,000 | $1,069,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2025 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 & Muir Bank & Trust Company'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 Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About