Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 994 mortgage applications totaling $107.7 million, up 1% from 2004. The average application was for $108,348, and applicants reported an average income of $60,575. 75% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville, KY-IN (512), Elizabethtown, KY (154) 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 | 994 |
| Total Mortgage Loan Application Amount | $107,698,000 |
| Average Mortgage Loan Application Amount | $108,348 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $60,575 |
| Highest Applicant Income | $903,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 267 | $ 23,868,000 | $ 89,393 | $ 51,000 |
| Jefferson, Kentucky | 195 | $ 24,976,000 | $ 128,082 | $ 58,000 |
| Hardin, Kentucky | 137 | $ 16,010,000 | $ 116,861 | $ 77,000 |
| Grayson, Kentucky | 126 | $ 9,224,000 | $ 73,206 | $ 50,000 |
| Marshall, Kentucky | 39 | $ 5,479,000 | $ 140,487 | $ 53,000 |
| Logan, Kentucky | 22 | $ 2,882,000 | $ 131,000 | $ 63,000 |
| Washington, Kentucky | 19 | $ 1,625,000 | $ 85,526 | $ 54,000 |
| Larue, Kentucky | 17 | $ 1,672,000 | $ 98,352 | $ 63,000 |
| Breckinridge, Kentucky | 13 | $ 1,451,000 | $ 111,615 | $ 73,000 |
| Bullitt, Kentucky | 13 | $ 1,212,000 | $ 93,230 | $ 56,000 |
| Graves, Kentucky | 13 | $ 1,949,000 | $ 149,923 | $ 96,000 |
| Caldwell, Kentucky | 12 | $ 873,000 | $ 72,750 | $ 42,000 |
| Meade, Kentucky | 11 | $ 717,000 | $ 65,181 | $ 35,000 |
| Trimble, Kentucky | 10 | $ 1,260,000 | $ 126,000 | $ 69,000 |
| Muhlenberg, Kentucky | 7 | $ 1,059,000 | $ 151,285 | $ 67,000 |
| Spencer, Kentucky | 7 | $ 1,123,000 | $ 160,428 | $ 65,000 |
| Carroll, Kentucky | 6 | $ 935,000 | $ 155,833 | $ 50,000 |
| Hart, Kentucky | 6 | $ 486,000 | $ 81,000 | $ 36,000 |
| Marion, Kentucky | 6 | $ 444,000 | $ 74,000 | $ 43,000 |
| Jefferson, Indiana | 5 | $ 624,000 | $ 124,800 | $ 53,000 |
| Fayette, Kentucky | 5 | $ 663,000 | $ 132,600 | $ 88,000 |
| Oldham, Kentucky | 5 | $ 1,400,000 | $ 280,000 | $ 123,000 |
| McCracken, Kentucky | 4 | $ 791,000 | $ 197,750 | $ 72,000 |
| Shelby, Kentucky | 4 | $ 984,000 | $ 246,000 | $ 67,000 |
| Warren, Kentucky | 4 | $ 340,000 | $ 85,000 | $ 23,000 |
| Clark, Indiana | 3 | $ 434,000 | $ 144,666 | $ 72,000 |
| Christian, Kentucky | 3 | $ 401,000 | $ 133,666 | $ 90,000 |
| Floyd, Indiana | 2 | $ 313,000 | $ 156,500 | $ 65,000 |
| Barren, Kentucky | 2 | $ 157,000 | $ 78,500 | $ 96,000 |
| Boone, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Calloway, Kentucky | 2 | $ 184,000 | $ 92,000 | $ 41,000 |
| Franklin, Kentucky | 2 | $ 277,000 | $ 138,500 | $ 65,000 |
| Simpson, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 91,000 |
| Palm Beach, Florida | 1 | $ 228,000 | $ 228,000 | $ 61,000 |
| Sumter, Florida | 1 | $ 120,000 | $ 120,000 | $ 140,000 |
| Harrison, Indiana | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Monroe, Indiana | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Vanderburgh, Indiana | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Vigo, Indiana | 1 | $ 520,000 | $ 520,000 | $ 228,000 |
| Washington, Indiana | 1 | $ 178,000 | $ 178,000 | $ 86,000 |
| Allen, Kentucky | 1 | $ 141,000 | $ 141,000 | $ 110,000 |
| Anderson, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Butler, Kentucky | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| Daviess, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Jessamine, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Lincoln, Kentucky | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| Livingston, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Lyon, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Madison, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 28,000 |
| Ohio, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Russell, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 168,000 |
| Taylor, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 62,000 |
| Todd, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 103,000 |
| Trigg, Kentucky | 1 | $ 350,000 | $ 350,000 | $ 96,000 |
| Onslow, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Robertson, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2005
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 | 456 | $51,140,000 | $162,000 | $520,000 | $79,000 | $830,000 |
| Refinancing | 455 | $55,582,000 | $148,500 | $560,000 | $63,000 | $903,000 |
| Home Improvement | 83 | $976,000 | $11,000 | $81,000 | $42,000 | $167,000 |
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 | 934 | $101,265,000 | $155,000 | $560,000 | $69,400 | $903,000 |
| Black or African American | 40 | $4,277,000 | $106,000 | $245,000 | $65,000 | $272,000 |
| Not applicable | 9 | $863,000 | $95,000 | $192,000 | $78,000 | $500,000 |
| Hispanic | 8 | $924,000 | $115,000 | $199,000 | $61,000 | $132,000 |
| Asian | 2 | $228,000 | $114,000 | $158,000 | $44,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $141,000 | $141,000 | $141,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 891 | $96,480,000 | $154,800 | $560,000 | $70,800 | $903,000 |
| FHA-insured (Federal Housing Administration) | 59 | $6,232,000 | $148,500 | $197,000 | $53,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,146,000 | $131,000 | $250,000 | $50,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,840,000 | $92,000 | $141,000 | $32,000 | $51,000 |
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 | 748 | $78,309,000 | $138,400 | $500,000 | $75,400 | $903,000 |
| Application Denied By Financial Institution | 137 | $15,710,000 | $153,666 | $560,000 | $52,000 | $316,000 |
| Application Withdrawn By Applicant | 108 | $13,672,000 | $241,000 | $520,000 | $118,500 | $600,000 |
| Application Approved But Not Accepted | 1 | $7,000 | $7,000 | $7,000 | $32,000 | $32,000 |
| 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 | 54 | $5,110,000 | $94,000 | $245,000 | $50,000 | $272,000 |
| Credit Application Incomplete | 31 | $3,886,000 | $110,500 | $444,000 | $50,000 | $189,000 |
| Debt-To-Income Ratio | 17 | $2,243,000 | $166,000 | $285,000 | $53,666 | $183,000 |
| Collateral | 14 | $1,469,000 | $104,000 | $406,000 | $55,000 | $163,000 |
| Other | 12 | $2,187,000 | $182,000 | $560,000 | $62,000 | $316,000 |
| Employment History | 5 | $514,000 | $102,000 | $153,000 | $52,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $301,000 | $75,000 | $189,000 | $33,000 | $92,000 |
| 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 2005 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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