Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 844 mortgage applications totaling $100.2 million, up 5% from 2006. The average application was for $118,744, and applicants reported an average income of $66,563. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (391), Elizabethtown, KY (139) and Jacksonville, FL (4) (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 | 844 |
| Total Mortgage Loan Application Amount | $100,220,000 |
| Average Mortgage Loan Application Amount | $118,744 |
| Highest Mortgage Loan Application Amount | $924,000 |
| Average Applicant Income | $66,563 |
| Highest Applicant Income | $927,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 185 | $ 17,899,000 | $ 96,751 | $ 51,000 |
| Jefferson, Kentucky | 166 | $ 25,255,000 | $ 152,138 | $ 79,000 |
| Grayson, Kentucky | 132 | $ 9,260,000 | $ 70,151 | $ 58,000 |
| Hardin, Kentucky | 115 | $ 15,577,000 | $ 135,452 | $ 90,000 |
| Marshall, Kentucky | 30 | $ 5,913,000 | $ 197,100 | $ 77,000 |
| Muhlenberg, Kentucky | 26 | $ 3,491,000 | $ 134,269 | $ 67,000 |
| Larue, Kentucky | 24 | $ 2,509,000 | $ 104,541 | $ 53,000 |
| Logan, Kentucky | 19 | $ 1,875,000 | $ 98,684 | $ 57,000 |
| Washington, Kentucky | 15 | $ 1,058,000 | $ 70,533 | $ 42,000 |
| Graves, Kentucky | 13 | $ 1,564,000 | $ 120,307 | $ 52,000 |
| Bullitt, Kentucky | 12 | $ 1,257,000 | $ 104,750 | $ 53,000 |
| Oldham, Kentucky | 9 | $ 1,853,000 | $ 205,888 | $ 87,000 |
| Breckinridge, Kentucky | 8 | $ 621,000 | $ 77,625 | $ 58,000 |
| Caldwell, Kentucky | 8 | $ 1,146,000 | $ 143,250 | $ 59,000 |
| Hart, Kentucky | 8 | $ 515,000 | $ 64,375 | $ 30,000 |
| Meade, Kentucky | 7 | $ 414,000 | $ 59,142 | $ 58,000 |
| Trimble, Kentucky | 6 | $ 948,000 | $ 158,000 | $ 69,000 |
| Duval, Florida | 4 | $ 708,000 | $ 177,000 | $ 29,000 |
| Carroll, Kentucky | 4 | $ 987,000 | $ 246,750 | $ 87,000 |
| Marion, Kentucky | 4 | $ 584,000 | $ 146,000 | $ 67,000 |
| Shelby, Kentucky | 4 | $ 826,000 | $ 206,500 | $ 76,000 |
| Christian, Kentucky | 3 | $ 572,000 | $ 190,666 | $ 117,000 |
| Fayette, Kentucky | 3 | $ 267,000 | $ 89,000 | $ 83,000 |
| Franklin, Kentucky | 3 | $ 154,000 | $ 51,333 | $ 36,000 |
| Livingston, Kentucky | 3 | $ 235,000 | $ 78,333 | $ 41,000 |
| Pinellas, Florida | 2 | $ 328,000 | $ 164,000 | $ 51,000 |
| Jefferson, Indiana | 2 | $ 522,000 | $ 261,000 | $ 99,000 |
| Butler, Kentucky | 2 | $ 88,000 | $ 44,000 | $ 42,000 |
| Calloway, Kentucky | 2 | $ 314,000 | $ 157,000 | $ 60,000 |
| Henderson, Kentucky | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Ohio, Kentucky | 2 | $ 107,000 | $ 53,500 | $ 35,000 |
| Spencer, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 100,000 |
| Robertson, Tennessee | 2 | $ 353,000 | $ 176,500 | $ 93,000 |
| Bay, Florida | 1 | $ 58,000 | $ 58,000 | $ 82,000 |
| Cook, Illinois | 1 | $ 300,000 | $ 300,000 | $ 220,000 |
| Barren, Kentucky | 1 | $ 417,000 | $ 417,000 | $ 193,000 |
| Carlisle, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 93,000 |
| Casey, Kentucky | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Edmonson, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 52,000 |
| Floyd, Kentucky | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Green, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| McCracken, Kentucky | 1 | $ 182,000 | $ 182,000 | $ 89,000 |
| McLean, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| Mercer, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 75,000 |
| Owen, Kentucky | 1 | $ 178,000 | $ 178,000 | $ 50,000 |
| Russell, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 73,000 |
| Todd, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 52,000 |
| Davidson, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Sumner, Tennessee | 1 | $ 192,000 | $ 192,000 | $ 117,000 |
| King, Washington | 1 | $ 417,000 | $ 417,000 | $ 280,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2007
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 | 437 | $51,248,000 | $117,000 | $924,000 | $62,000 | $410,000 |
| Refinancing | 331 | $47,619,000 | $143,000 | $675,000 | $78,000 | $927,000 |
| Home Improvement | 76 | $1,353,000 | $17,000 | $240,000 | $43,000 | $175,000 |
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 | 787 | $94,621,000 | $120,000 | $924,000 | $68,000 | $927,000 |
| Black or African American | 27 | $2,676,000 | $99,000 | $294,000 | $39,000 | $84,000 |
| Asian | 9 | $1,151,000 | $127,000 | $210,000 | $63,000 | $101,000 |
| Hispanic | 8 | $724,000 | $90,000 | $125,000 | $42,000 | $144,000 |
| Not applicable | 8 | $556,000 | $69,000 | $158,000 | $72,000 | $250,000 |
| Not Provided | 5 | $492,000 | $98,000 | $215,000 | $78,000 | $189,000 |
| 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) | 756 | $87,883,000 | $116,000 | $924,000 | $68,000 | $927,000 |
| FHA-insured (Federal Housing Administration) | 44 | $5,097,000 | $115,000 | $231,000 | $48,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,018,000 | $188,000 | $417,000 | $69,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,222,000 | $101,000 | $136,000 | $37,000 | $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 | 656 | $76,387,000 | $116,000 | $924,000 | $68,000 | $927,000 |
| Application Withdrawn By Applicant | 103 | $13,110,000 | $127,000 | $417,000 | $62,000 | $360,000 |
| Application Denied By Financial Institution | 85 | $10,723,000 | $126,000 | $510,000 | $58,000 | $430,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 38 | $4,431,000 | $116,000 | $250,000 | $48,000 | $177,000 |
| Debt-To-Income Ratio | 13 | $1,594,000 | $122,000 | $400,000 | $35,000 | $88,000 |
| Credit Application Incomplete | 12 | $1,606,000 | $133,000 | $400,000 | $69,000 | $430,000 |
| Collateral | 11 | $1,297,000 | $117,000 | $510,000 | $54,000 | $128,000 |
| Other | 7 | $1,290,000 | $184,000 | $393,000 | $153,000 | $420,000 |
| Employment History | 3 | $354,000 | $118,000 | $160,000 | $39,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $151,000 | $151,000 | $151,000 | $53,000 | $53,000 |
| 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 2007 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