Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 809 mortgage applications totaling $107.8 million, down 4% from 2007. The average application was for $133,245, and applicants reported an average income of $72,688. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (430), Elizabethtown, KY (151) and Bowling Green, KY (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 | 809 |
| Total Mortgage Loan Application Amount | $107,796,000 |
| Average Mortgage Loan Application Amount | $133,245 |
| Highest Mortgage Loan Application Amount | $956,000 |
| Average Applicant Income | $72,688 |
| Highest Applicant Income | $1,113,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 204 | $ 30,988,000 | $ 151,901 | $ 82,000 |
| Nelson, Kentucky | 175 | $ 18,032,000 | $ 103,040 | $ 57,000 |
| Hardin, Kentucky | 142 | $ 26,515,000 | $ 186,725 | $ 91,000 |
| Grayson, Kentucky | 115 | $ 9,236,000 | $ 80,313 | $ 61,000 |
| Marshall, Kentucky | 21 | $ 3,460,000 | $ 164,761 | $ 91,000 |
| Bullitt, Kentucky | 14 | $ 1,741,000 | $ 124,357 | $ 65,000 |
| Oldham, Kentucky | 13 | $ 2,937,000 | $ 225,923 | $ 87,000 |
| Meade, Kentucky | 12 | $ 1,500,000 | $ 125,000 | $ 58,000 |
| Washington, Kentucky | 12 | $ 741,000 | $ 61,750 | $ 31,000 |
| Graves, Kentucky | 11 | $ 1,258,000 | $ 114,363 | $ 58,000 |
| Logan, Kentucky | 11 | $ 1,197,000 | $ 108,818 | $ 55,000 |
| Muhlenberg, Kentucky | 11 | $ 1,368,000 | $ 124,363 | $ 59,000 |
| Larue, Kentucky | 9 | $ 1,288,000 | $ 143,111 | $ 93,000 |
| Breckinridge, Kentucky | 5 | $ 485,000 | $ 97,000 | $ 104,000 |
| McCracken, Kentucky | 5 | $ 740,000 | $ 148,000 | $ 59,000 |
| Caldwell, Kentucky | 3 | $ 575,000 | $ 191,666 | $ 94,000 |
| Franklin, Kentucky | 3 | $ 171,000 | $ 57,000 | $ 60,000 |
| Marion, Kentucky | 3 | $ 268,000 | $ 89,333 | $ 49,000 |
| Shelby, Kentucky | 3 | $ 504,000 | $ 168,000 | $ 45,000 |
| Spencer, Kentucky | 3 | $ 351,000 | $ 117,000 | $ 48,000 |
| Warren, Kentucky | 3 | $ 292,000 | $ 97,333 | $ 37,000 |
| Clark, Indiana | 2 | $ 200,000 | $ 100,000 | $ 38,000 |
| Floyd, Indiana | 2 | $ 337,000 | $ 168,500 | $ 41,000 |
| Jefferson, Indiana | 2 | $ 331,000 | $ 165,500 | $ 81,000 |
| Calloway, Kentucky | 2 | $ 197,000 | $ 98,500 | $ 51,000 |
| Cumberland, Kentucky | 2 | $ 277,000 | $ 138,500 | $ 38,000 |
| Fayette, Kentucky | 2 | $ 368,000 | $ 184,000 | $ 230,000 |
| Ohio, Kentucky | 2 | $ 331,000 | $ 165,500 | $ 75,000 |
| Trimble, Kentucky | 2 | $ 293,000 | $ 146,500 | $ 68,000 |
| Bay, Florida | 1 | $ 130,000 | $ 130,000 | $ 113,000 |
| Ballard, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Boone, Kentucky | 1 | $ 146,000 | $ 146,000 | $ 47,000 |
| Carroll, Kentucky | 1 | $ 86,000 | $ 86,000 | $ 54,000 |
| Christian, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 86,000 |
| Edmonson, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 37,000 |
| Hancock, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 86,000 |
| Hart, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Henderson, Kentucky | 1 | $ 92,000 | $ 92,000 | $ 92,000 |
| Hickman, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 77,000 |
| Lyon, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 294,000 |
| Taylor, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 23,000 |
| Santa Fe, New Mexico | 1 | $ 167,000 | $ 167,000 | $ 98,000 |
| Stewart, Tennessee | 1 | $ 154,000 | $ 154,000 | $ 43,000 |
| Sumner, Tennessee | 1 | $ 270,000 | $ 270,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2008
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 | 409 | $63,007,000 | $154,000 | $956,000 | $80,000 | $1,113,000 |
| Home Purchase | 345 | $44,112,000 | $127,000 | $655,000 | $67,000 | $500,000 |
| Home Improvement | 55 | $677,000 | $12,000 | $100,000 | $54,000 | $325,000 |
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 | 736 | $96,953,000 | $131,000 | $956,000 | $74,000 | $597,000 |
| Black or African American | 34 | $4,054,000 | $119,000 | $276,000 | $60,000 | $144,000 |
| Not applicable | 23 | $4,602,000 | $200,000 | $850,000 | $65,000 | $1,113,000 |
| Hispanic | 5 | $376,000 | $75,000 | $155,000 | $56,000 | $110,000 |
| Asian | 5 | $793,000 | $158,000 | $230,000 | $58,000 | $71,000 |
| Not Provided | 4 | $695,000 | $173,000 | $310,000 | $45,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $121,000 | $121,000 | $121,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $202,000 | $202,000 | $202,000 | $77,000 | $77,000 |
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) | 691 | $91,052,000 | $131,000 | $956,000 | $75,000 | $1,113,000 |
| FHA-insured (Federal Housing Administration) | 86 | $11,403,000 | $132,000 | $298,000 | $53,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,617,000 | $192,000 | $372,000 | $75,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $724,000 | $90,000 | $140,000 | $34,000 | $54,000 |
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 | 620 | $81,535,000 | $131,000 | $956,000 | $75,000 | $1,113,000 |
| Application Withdrawn By Applicant | 95 | $12,469,000 | $131,000 | $417,000 | $66,000 | $500,000 |
| Application Denied By Financial Institution | 92 | $13,732,000 | $149,000 | $415,000 | $61,000 | $212,000 |
| Application Approved But Not Accepted | 2 | $60,000 | $30,000 | $50,000 | $125,000 | $240,000 |
| 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 Application Incomplete | 23 | $4,759,000 | $206,000 | $412,000 | $82,000 | $212,000 |
| Credit History | 21 | $2,184,000 | $104,000 | $229,000 | $44,000 | $97,000 |
| Debt-To-Income Ratio | 15 | $1,914,000 | $127,000 | $350,000 | $48,000 | $188,000 |
| Collateral | 14 | $2,468,000 | $176,000 | $415,000 | $73,000 | $158,000 |
| Other | 7 | $875,000 | $125,000 | $400,000 | $57,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $825,000 | $137,000 | $255,000 | $72,000 | $167,000 |
| Employment History | 5 | $698,000 | $139,000 | $320,000 | $48,000 | $72,000 |
| 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 2008 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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