Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 726 mortgage applications totaling $99.7 million, up 29% from 2011. The average application was for $137,263, and applicants reported an average income of $74,971. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (384), Elizabethtown, KY (174) and Bowling Green, KY (19) (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 | 726 |
| Total Mortgage Loan Application Amount | $99,653,000 |
| Average Mortgage Loan Application Amount | $137,263 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $74,971 |
| Highest Applicant Income | $462,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 190 | $ 31,260,000 | $ 164,526 | $ 86,000 |
| Hardin, Kentucky | 168 | $ 27,588,000 | $ 164,214 | $ 85,000 |
| Nelson, Kentucky | 166 | $ 17,270,000 | $ 104,036 | $ 61,000 |
| Grayson, Kentucky | 107 | $ 7,217,000 | $ 67,448 | $ 56,000 |
| Edmonson, Kentucky | 17 | $ 2,021,000 | $ 118,882 | $ 69,000 |
| Oldham, Kentucky | 11 | $ 2,837,000 | $ 257,909 | $ 124,000 |
| Logan, Kentucky | 10 | $ 1,224,000 | $ 122,400 | $ 55,000 |
| Breckinridge, Kentucky | 6 | $ 672,000 | $ 112,000 | $ 64,000 |
| Bullitt, Kentucky | 6 | $ 935,000 | $ 155,833 | $ 53,000 |
| Larue, Kentucky | 6 | $ 725,000 | $ 120,833 | $ 89,000 |
| Washington, Kentucky | 5 | $ 271,000 | $ 54,200 | $ 28,000 |
| Meade, Kentucky | 3 | $ 219,000 | $ 73,000 | $ 138,000 |
| Shelby, Kentucky | 3 | $ 482,000 | $ 160,666 | $ 172,000 |
| Clark, Indiana | 2 | $ 257,000 | $ 128,500 | $ 73,000 |
| Fayette, Kentucky | 2 | $ 403,000 | $ 201,500 | $ 97,000 |
| Marion, Kentucky | 2 | $ 193,000 | $ 96,500 | $ 77,000 |
| Spencer, Kentucky | 2 | $ 359,000 | $ 179,500 | $ 55,000 |
| Warren, Kentucky | 2 | $ 1,073,000 | $ 536,500 | $ 42,000 |
| Clermont, Ohio | 2 | $ 334,000 | $ 167,000 | $ 66,000 |
| Apache, Arizona | 1 | $ 223,000 | $ 223,000 | $ 239,000 |
| Maricopa, Arizona | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| Brown, Indiana | 1 | $ 228,000 | $ 228,000 | $ 106,000 |
| Harrison, Indiana | 1 | $ 136,000 | $ 136,000 | $ 97,000 |
| Adair, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 191,000 |
| Boone, Kentucky | 1 | $ 390,000 | $ 390,000 | $ 141,000 |
| Greenup, Kentucky | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Laurel, Kentucky | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Simpson, Kentucky | 1 | $ 121,000 | $ 121,000 | $ 41,000 |
| Woodford, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 91,000 |
| Beaufort, South Carolina | 1 | $ 80,000 | $ 80,000 | $ 84,000 |
| Maury, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 93,000 |
| Sumner, Tennessee | 1 | $ 258,000 | $ 258,000 | $ 153,000 |
| Williamson, Tennessee | 1 | $ 261,000 | $ 261,000 | $ 73,000 |
| Denton, Texas | 1 | $ 110,000 | $ 110,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2012
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 | 456 | $70,417,000 | $154,000 | $615,000 | $87,000 | $462,000 |
| Home Purchase | 227 | $27,871,000 | $122,000 | $900,000 | $58,000 | $395,000 |
| Home Improvement | 43 | $1,365,000 | $31,000 | $900,000 | $37,000 | $94,000 |
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 | 656 | $86,592,000 | $132,000 | $615,000 | $79,000 | $462,000 |
| Not applicable | 31 | $6,476,000 | $208,000 | $900,000 | $0 | $0 |
| Black or African American | 23 | $3,982,000 | $173,000 | $582,000 | $52,000 | $155,000 |
| Hispanic | 8 | $1,274,000 | $159,000 | $375,000 | $76,000 | $123,000 |
| Asian | 4 | $973,000 | $243,000 | $570,000 | $116,000 | $224,000 |
| Not Provided | 3 | $270,000 | $90,000 | $125,000 | $31,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $86,000 | $86,000 | $86,000 | $37,000 | $37,000 |
| 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) | 617 | $83,544,000 | $135,000 | $900,000 | $78,000 | $462,000 |
| FHA-insured (Federal Housing Administration) | 54 | $7,073,000 | $130,000 | $292,000 | $49,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 34 | $7,115,000 | $209,000 | $582,000 | $79,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,921,000 | $91,000 | $133,000 | $36,000 | $61,000 |
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 | 535 | $73,949,000 | $138,000 | $900,000 | $76,000 | $462,000 |
| Application Denied By Financial Institution | 110 | $13,257,000 | $120,000 | $415,000 | $60,000 | $322,000 |
| Application Withdrawn By Applicant | 67 | $9,621,000 | $143,000 | $570,000 | $84,000 | $420,000 |
| Application Approved But Not Accepted | 14 | $2,826,000 | $201,000 | $380,000 | $88,000 | $178,000 |
| 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 | 47 | $4,566,000 | $97,000 | $300,000 | $49,000 | $172,000 |
| Debt-To-Income Ratio | 21 | $2,676,000 | $127,000 | $266,000 | $45,000 | $106,000 |
| Collateral | 20 | $2,787,000 | $139,000 | $385,000 | $94,000 | $322,000 |
| Other | 11 | $1,643,000 | $149,000 | $415,000 | $73,000 | $242,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $327,000 | $109,000 | $244,000 | $60,000 | $80,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $150,000 | $38,000 | $67,000 |
| Credit Application Incomplete | 2 | $468,000 | $234,000 | $280,000 | $149,000 | $150,000 |
| Employment History | 2 | $364,000 | $182,000 | $260,000 | $42,000 | $47,000 |
| Mortgage Insurance Denied | 1 | $67,000 | $67,000 | $67,000 | $35,000 | $35,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2012 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