Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 410 mortgage applications totaling $51.4 million, down 35% from 2013. The average application was for $125,448, and applicants reported an average income of $76,404. 82% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (133), Elizabethtown-Fort Knox, KY (71) and Bowling Green, KY (5) (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 | 410 |
| Total Mortgage Loan Application Amount | $51,434,000 |
| Average Mortgage Loan Application Amount | $125,448 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $76,404 |
| Highest Applicant Income | $611,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 112 | $ 19,694,000 | $ 175,839 | $ 94,000 |
| Nelson, Kentucky | 89 | $ 8,633,000 | $ 97,000 | $ 66,000 |
| Grayson, Kentucky | 81 | $ 6,603,000 | $ 81,518 | $ 57,000 |
| Hardin, Kentucky | 65 | $ 7,256,000 | $ 111,630 | $ 75,000 |
| Breckinridge, Kentucky | 10 | $ 610,000 | $ 61,000 | $ 65,000 |
| Oldham, Kentucky | 8 | $ 2,149,000 | $ 268,625 | $ 116,000 |
| Bullitt, Kentucky | 6 | $ 576,000 | $ 96,000 | $ 93,000 |
| Meade, Kentucky | 5 | $ 646,000 | $ 129,200 | $ 48,000 |
| Shelby, Kentucky | 4 | $ 852,000 | $ 213,000 | $ 221,000 |
| Fayette, Kentucky | 3 | $ 374,000 | $ 124,666 | $ 113,000 |
| Logan, Kentucky | 3 | $ 359,000 | $ 119,666 | $ 38,000 |
| Warren, Kentucky | 3 | $ 450,000 | $ 150,000 | $ 46,000 |
| Edmonson, Kentucky | 2 | $ 52,000 | $ 26,000 | $ 63,000 |
| Spencer, Kentucky | 2 | $ 511,000 | $ 255,500 | $ 117,000 |
| Washington, Kentucky | 2 | $ 178,000 | $ 89,000 | $ 35,000 |
| Maricopa, Arizona | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Daviess, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 58,000 |
| Hart, Kentucky | 1 | $ 209,000 | $ 209,000 | $ 132,000 |
| Henry, Kentucky | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Kenton, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Larue, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Marion, Kentucky | 1 | $ 7,000 | $ 7,000 | $ 30,000 |
| Powell, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Simpson, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| Taylor, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 303,000 |
| Union, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Woodford, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Davidson, Tennessee | 1 | $ 350,000 | $ 350,000 | $ 118,000 |
| Robertson, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 78,000 |
| Rutherford, Tennessee | 1 | $ 271,000 | $ 271,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2014
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 | 243 | $34,885,000 | $143,000 | $1,000,000 | $77,000 | $611,000 |
| Refinancing | 129 | $15,954,000 | $123,000 | $450,000 | $81,000 | $400,000 |
| Home Improvement | 38 | $595,000 | $15,000 | $125,000 | $57,000 | $276,000 |
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 | 368 | $45,088,000 | $122,000 | $1,000,000 | $80,000 | $611,000 |
| Not applicable | 17 | $2,129,000 | $125,000 | $332,000 | $0 | $0 |
| Black or African American | 12 | $1,129,000 | $94,000 | $196,000 | $60,000 | $125,000 |
| Asian | 7 | $2,037,000 | $291,000 | $450,000 | $110,000 | $311,000 |
| Hispanic | 4 | $621,000 | $155,000 | $271,000 | $91,000 | $186,000 |
| American Indian or Alaskan Native | 1 | $350,000 | $350,000 | $350,000 | $118,000 | $118,000 |
| Not Provided | 1 | $80,000 | $80,000 | $80,000 | $0 | $0 |
| 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) | 378 | $47,221,000 | $124,000 | $1,000,000 | $79,000 | $611,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,538,000 | $109,000 | $169,000 | $36,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,103,000 | $100,000 | $147,000 | $41,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,572,000 | $224,000 | $310,000 | $94,000 | $129,000 |
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 | 337 | $43,684,000 | $129,000 | $1,000,000 | $82,000 | $611,000 |
| Application Denied By Financial Institution | 53 | $5,264,000 | $99,000 | $337,000 | $51,000 | $133,000 |
| Application Withdrawn By Applicant | 19 | $2,354,000 | $123,000 | $417,000 | $65,000 | $270,000 |
| Application Approved But Not Accepted | 1 | $132,000 | $132,000 | $132,000 | $41,000 | $41,000 |
| 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 | 30 | $2,626,000 | $87,000 | $290,000 | $51,000 | $133,000 |
| Debt-To-Income Ratio | 13 | $1,410,000 | $108,000 | $250,000 | $45,000 | $129,000 |
| Collateral | 4 | $695,000 | $173,000 | $337,000 | $69,000 | $83,000 |
| Other | 4 | $287,000 | $71,000 | $130,000 | $55,000 | $83,000 |
| Employment History | 2 | $246,000 | $123,000 | $124,000 | $32,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2014 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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