Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 441 mortgage applications totaling $68.8 million, down 22% from 2016. The average application was for $155,947, and applicants reported an average income of $94,272. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (168), Elizabethtown-Fort Knox, KY (71) 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 | 441 |
| Total Mortgage Loan Application Amount | $68,773,000 |
| Average Mortgage Loan Application Amount | $155,947 |
| Highest Mortgage Loan Application Amount | $1,665,000 |
| Average Applicant Income | $94,272 |
| Highest Applicant Income | $2,411,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 152 | $ 35,662,000 | $ 234,618 | $ 132,000 |
| Nelson, Kentucky | 85 | $ 8,124,000 | $ 95,576 | $ 60,000 |
| Grayson, Kentucky | 82 | $ 7,427,000 | $ 90,573 | $ 67,000 |
| Hardin, Kentucky | 64 | $ 7,487,000 | $ 116,984 | $ 72,000 |
| Logan, Kentucky | 14 | $ 2,242,000 | $ 160,142 | $ 69,000 |
| Oldham, Kentucky | 6 | $ 2,482,000 | $ 413,666 | $ 198,000 |
| Bullitt, Kentucky | 5 | $ 779,000 | $ 155,800 | $ 73,000 |
| Edmonson, Kentucky | 4 | $ 642,000 | $ 160,500 | $ 204,000 |
| Meade, Kentucky | 4 | $ 564,000 | $ 141,000 | $ 83,000 |
| Larue, Kentucky | 3 | $ 165,000 | $ 55,000 | $ 60,000 |
| Simpson, Kentucky | 3 | $ 636,000 | $ 212,000 | $ 102,000 |
| Clark, Indiana | 2 | $ 457,000 | $ 228,500 | $ 254,000 |
| Breckinridge, Kentucky | 2 | $ 66,000 | $ 33,000 | $ 80,000 |
| Hart, Kentucky | 2 | $ 108,000 | $ 54,000 | $ 79,000 |
| Shelby, Kentucky | 2 | $ 522,000 | $ 261,000 | $ 158,000 |
| Washington, Arkansas | 1 | $ 223,000 | $ 223,000 | $ 63,000 |
| Manatee, Florida | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Fannin, Georgia | 1 | $ 274,000 | $ 274,000 | $ 208,000 |
| Rabun, Georgia | 1 | $ 114,000 | $ 114,000 | $ 100,000 |
| Delaware, Indiana | 1 | $ 84,000 | $ 84,000 | $ 300,000 |
| Fayette, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Franklin, Kentucky | 1 | $ 123,000 | $ 123,000 | $ 31,000 |
| Marion, Kentucky | 1 | $ 96,000 | $ 96,000 | $ 59,000 |
| Spencer, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Todd, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Woodford, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2017
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 | 258 | $44,513,000 | $172,000 | $800,000 | $95,000 | $1,013,000 |
| Refinancing | 133 | $23,086,000 | $173,000 | $1,665,000 | $108,000 | $2,411,000 |
| Home Improvement | 50 | $1,174,000 | $23,000 | $360,000 | $54,000 | $131,000 |
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 | 385 | $60,021,000 | $155,000 | $1,665,000 | $102,000 | $2,411,000 |
| Not applicable | 27 | $3,983,000 | $147,000 | $769,000 | $0 | $0 |
| Black or African American | 13 | $1,761,000 | $135,000 | $250,000 | $72,000 | $124,000 |
| Hispanic | 7 | $1,439,000 | $205,000 | $450,000 | $77,000 | $195,000 |
| Not Provided | 6 | $1,107,000 | $184,000 | $308,000 | $70,000 | $104,000 |
| Asian | 3 | $462,000 | $154,000 | $273,000 | $112,000 | $132,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 403 | $62,006,000 | $153,000 | $1,665,000 | $96,000 | $2,411,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,774,000 | $164,000 | $304,000 | $74,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,578,000 | $257,000 | $598,000 | $112,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $415,000 | $83,000 | $107,000 | $46,000 | $59,000 |
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 | 382 | $58,335,000 | $152,000 | $1,665,000 | $90,000 | $1,013,000 |
| Application Denied By Financial Institution | 28 | $3,209,000 | $114,000 | $360,000 | $60,000 | $179,000 |
| Application Withdrawn By Applicant | 26 | $5,380,000 | $206,000 | $650,000 | $191,000 | $2,411,000 |
| Application Approved But Not Accepted | 5 | $1,849,000 | $369,000 | $1,665,000 | $155,000 | $600,000 |
| 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 | 15 | $1,501,000 | $100,000 | $260,000 | $62,000 | $179,000 |
| Debt-To-Income Ratio | 5 | $527,000 | $105,000 | $240,000 | $37,000 | $70,000 |
| Other | 3 | $333,000 | $111,000 | $173,000 | $70,000 | $92,000 |
| Collateral | 2 | $212,000 | $106,000 | $144,000 | $58,000 | $64,000 |
| Employment History | 1 | $360,000 | $360,000 | $360,000 | $127,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $150,000 | $150,000 | $150,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2017 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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