Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 980 mortgage applications totaling $109.4 million. The average application was for $111,670, and applicants reported an average income of $58,837. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville, KY-IN (511), Elizabethtown, KY (186) and Lexington-Fayette, KY (6) (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 | 980 |
| Total Mortgage Loan Application Amount | $109,437,000 |
| Average Mortgage Loan Application Amount | $111,670 |
| Highest Mortgage Loan Application Amount | $697,000 |
| Average Applicant Income | $58,837 |
| Highest Applicant Income | $867,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nelson, Kentucky | 221 | $ 20,623,000 | $ 93,316 | $ 49,000 |
| Jefferson, Kentucky | 219 | $ 29,952,000 | $ 136,767 | $ 60,000 |
| Hardin, Kentucky | 158 | $ 17,294,000 | $ 109,455 | $ 54,000 |
| Grayson, Kentucky | 124 | $ 10,826,000 | $ 87,306 | $ 44,000 |
| Marshall, Kentucky | 30 | $ 3,771,000 | $ 125,700 | $ 46,000 |
| Larue, Kentucky | 28 | $ 2,586,000 | $ 92,357 | $ 40,000 |
| Bullitt, Kentucky | 25 | $ 2,897,000 | $ 115,880 | $ 43,000 |
| Oldham, Kentucky | 18 | $ 3,476,000 | $ 193,111 | $ 81,000 |
| Logan, Kentucky | 16 | $ 1,459,000 | $ 91,187 | $ 37,000 |
| Washington, Kentucky | 16 | $ 1,231,000 | $ 76,937 | $ 35,000 |
| Caldwell, Kentucky | 14 | $ 1,380,000 | $ 98,571 | $ 39,000 |
| Meade, Kentucky | 13 | $ 1,104,000 | $ 84,923 | $ 66,000 |
| Graves, Kentucky | 8 | $ 1,155,000 | $ 144,375 | $ 137,000 |
| Clark, Indiana | 7 | $ 809,000 | $ 115,571 | $ 88,000 |
| Hart, Kentucky | 7 | $ 555,000 | $ 79,285 | $ 31,000 |
| Shelby, Kentucky | 7 | $ 725,000 | $ 103,571 | $ 66,000 |
| Christian, Kentucky | 6 | $ 1,229,000 | $ 204,833 | $ 130,000 |
| Fayette, Kentucky | 6 | $ 836,000 | $ 139,333 | $ 90,000 |
| Jefferson, Indiana | 5 | $ 497,000 | $ 99,400 | $ 71,000 |
| Marion, Kentucky | 5 | $ 541,000 | $ 108,200 | $ 47,000 |
| Breckinridge, Kentucky | 4 | $ 245,000 | $ 61,250 | $ 33,000 |
| Trimble, Kentucky | 4 | $ 392,000 | $ 98,000 | $ 50,000 |
| Madison, Kentucky | 3 | $ 510,000 | $ 170,000 | $ 81,000 |
| Spencer, Kentucky | 3 | $ 369,000 | $ 123,000 | $ 55,000 |
| Warren, Kentucky | 3 | $ 243,000 | $ 81,000 | $ 48,000 |
| Calloway, Kentucky | 2 | $ 202,000 | $ 101,000 | $ 109,000 |
| Edmonson, Kentucky | 2 | $ 157,000 | $ 78,500 | $ 65,000 |
| Livingston, Kentucky | 2 | $ 148,000 | $ 74,000 | $ 43,000 |
| Lyon, Kentucky | 2 | $ 201,000 | $ 100,500 | $ 43,000 |
| McCracken, Kentucky | 2 | $ 436,000 | $ 218,000 | $ 96,000 |
| Metcalfe, Kentucky | 2 | $ 234,000 | $ 117,000 | $ 127,000 |
| Trigg, Kentucky | 2 | $ 1,382,000 | $ 691,000 | $ 373,000 |
| Lee, Florida | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Pinellas, Florida | 1 | $ 140,000 | $ 140,000 | $ 273,000 |
| Floyd, Indiana | 1 | $ 216,000 | $ 216,000 | $ 89,000 |
| Harrison, Indiana | 1 | $ 170,000 | $ 170,000 | $ 92,000 |
| Anderson, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 64,000 |
| Carroll, Kentucky | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Daviess, Kentucky | 1 | $ 230,000 | $ 230,000 | $ 202,000 |
| Floyd, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 91,000 |
| Henry, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| Lincoln, Kentucky | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Ohio, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Powell, Kentucky | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Pulaski, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| Russell, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Taylor, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Clermont, Ohio | 1 | $ 169,000 | $ 169,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 464 | $55,630,000 | $132,000 | $697,000 | $65,000 | $867,000 |
| Home Purchase | 453 | $51,315,000 | $132,333 | $690,000 | $137,333 | $835,000 |
| Home Improvement | 63 | $2,492,000 | $59,000 | $503,000 | $64,000 | $144,000 |
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 | 916 | $103,813,000 | $128,000 | $697,000 | $92,500 | $867,000 |
| Black or African American | 40 | $3,152,000 | $78,000 | $176,000 | $38,000 | $108,000 |
| Hispanic | 10 | $1,204,000 | $120,000 | $320,000 | $74,000 | $208,000 |
| Asian | 8 | $936,000 | $117,000 | $225,000 | $39,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $36,000 | $18,000 | $19,000 | $23,000 | $35,000 |
| Not applicable | 2 | $143,000 | $71,000 | $77,000 | $60,000 | $60,000 |
| Not Provided | 2 | $153,000 | $76,000 | $128,000 | $73,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 857 | $96,374,000 | $127,750 | $697,000 | $93,250 | $867,000 |
| FHA-insured (Federal Housing Administration) | 78 | $7,914,000 | $101,000 | $183,000 | $37,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 36 | $4,317,000 | $119,000 | $238,000 | $50,000 | $262,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $832,000 | $92,000 | $134,000 | $32,000 | $46,000 |
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 | 771 | $86,978,000 | $131,250 | $697,000 | $94,500 | $835,000 |
| Application Denied By Financial Institution | 105 | $10,489,000 | $86,000 | $520,000 | $44,000 | $360,000 |
| Application Withdrawn By Applicant | 103 | $11,920,000 | $124,000 | $650,000 | $80,000 | $867,000 |
| Application Approved But Not Accepted | 1 | $50,000 | $50,000 | $50,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 44 | $3,640,000 | $77,000 | $256,000 | $24,500 | $88,000 |
| Credit Application Incomplete | 19 | $2,787,000 | $146,000 | $520,000 | $67,000 | $360,000 |
| Collateral | 13 | $1,279,000 | $98,000 | $220,000 | $70,000 | $264,000 |
| Debt-To-Income Ratio | 12 | $1,272,000 | $106,000 | $322,000 | $31,000 | $112,000 |
| Other | 11 | $1,075,000 | $86,500 | $160,000 | $58,000 | $121,000 |
| Employment History | 4 | $305,000 | $76,000 | $105,000 | $45,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $76,000 | $76,000 | $76,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2004 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.
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