Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 725 mortgage applications totaling $138.3 million, down 16% from 2020. The average application was for $190,806, and applicants reported an average income of $103,253. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (214), Elizabethtown-Fort Knox, KY (131) and Bowling Green, KY (16) (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 | 725 |
| Total Mortgage Loan Application Amount | $138,335,000 |
| Average Mortgage Loan Application Amount | $190,806 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $103,253 |
| Highest Applicant Income | $662,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 188 | $ 39,900,000 | $ 212,234 | $ 152,000 |
| Grayson, Kentucky | 144 | $ 22,990,000 | $ 159,652 | $ 80,000 |
| Hardin, Kentucky | 115 | $ 21,505,000 | $ 187,000 | $ 85,000 |
| Nelson, Kentucky | 110 | $ 20,650,000 | $ 187,727 | $ 85,000 |
| Logan, Kentucky | 40 | $ 7,110,000 | $ 177,750 | $ 74,000 |
| Breckinridge, Kentucky | 16 | $ 2,700,000 | $ 168,750 | $ 96,000 |
| Fayette, Kentucky | 11 | $ 2,435,000 | $ 221,363 | $ 107,000 |
| Meade, Kentucky | 11 | $ 1,205,000 | $ 109,545 | $ 87,000 |
| Warren, Kentucky | 9 | $ 1,605,000 | $ 178,333 | $ 115,000 |
| Oldham, Kentucky | 8 | $ 3,970,000 | $ 496,250 | $ 308,000 |
| Bullitt, Kentucky | 6 | $ 1,330,000 | $ 221,666 | $ 87,000 |
| Edmonson, Kentucky | 6 | $ 960,000 | $ 160,000 | $ 154,000 |
| Shelby, Kentucky | 6 | $ 2,140,000 | $ 356,666 | $ 110,000 |
| Hart, Kentucky | 5 | $ 695,000 | $ 139,000 | $ 36,000 |
| Larue, Kentucky | 5 | $ 785,000 | $ 157,000 | $ 102,000 |
| Marion, Kentucky | 5 | $ 665,000 | $ 133,000 | $ 51,000 |
| Todd, Kentucky | 5 | $ 745,000 | $ 149,000 | $ 73,000 |
| Washington, Kentucky | 4 | $ 440,000 | $ 110,000 | $ 59,000 |
| Franklin, Kentucky | 3 | $ 495,000 | $ 165,000 | $ 116,000 |
| Muhlenberg, Kentucky | 3 | $ 305,000 | $ 101,666 | $ 31,000 |
| Floyd, Indiana | 2 | $ 340,000 | $ 170,000 | $ 91,000 |
| Boyle, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 105,000 |
| Spencer, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 113,000 |
| Woodford, Kentucky | 2 | $ 560,000 | $ 280,000 | $ 175,000 |
| Collier, Florida | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Hillsborough, Florida | 1 | $ 145,000 | $ 145,000 | $ 177,000 |
| Bartholomew, Indiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clark, Indiana | 1 | $ 315,000 | $ 315,000 | $ 124,000 |
| Butler, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Carroll, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Henry, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Laurel, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 162,000 |
| Madison, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Mercer, Kentucky | 1 | $ 335,000 | $ 335,000 | $ 298,000 |
| Ohio, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Taylor, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 133,000 |
| St. Louis, Missouri | 1 | $ 455,000 | $ 455,000 | $ 351,000 |
| Davidson, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 140,000 |
| Robertson, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Travis, Texas | 1 | $ 515,000 | $ 515,000 | $ 480,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2021
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 | 326 | $60,750,000 | $186,000 | $1,155,000 | $98,000 | $662,000 |
| Refinancing | 240 | $46,770,000 | $194,000 | $1,205,000 | $113,000 | $506,000 |
| Cash-out Refinancing | 90 | $17,600,000 | $195,000 | $505,000 | $111,000 | $506,000 |
| Other Purpose | 61 | $12,055,000 | $197,000 | $545,000 | $85,000 | $235,000 |
| Home Improvement | 8 | $1,160,000 | $145,000 | $285,000 | $77,000 | $98,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 610 | $116,040,000 | $190,000 | $1,205,000 | $103,000 | $662,000 |
| Not applicable | 79 | $15,045,000 | $190,000 | $685,000 | $0 | $0 |
| Not Provided | 18 | $4,060,000 | $225,000 | $445,000 | $115,000 | $237,000 |
| Black or African American | 11 | $1,515,000 | $137,000 | $305,000 | $64,000 | $115,000 |
| Hispanic | 4 | $750,000 | $187,000 | $465,000 | $89,000 | $160,000 |
| Asian | 2 | $580,000 | $290,000 | $515,000 | $276,000 | $480,000 |
| 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) | 666 | $128,970,000 | $193,000 | $1,205,000 | $108,000 | $662,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,640,000 | $140,000 | $175,000 | $43,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,165,000 | $186,000 | $295,000 | $82,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,560,000 | $160,000 | $245,000 | $57,000 | $98,000 |
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 | 639 | $122,555,000 | $191,000 | $1,205,000 | $105,000 | $662,000 |
| Application Withdrawn By Applicant | 53 | $11,325,000 | $213,000 | $515,000 | $102,000 | $396,000 |
| Application Denied By Financial Institution | 24 | $3,150,000 | $131,000 | $315,000 | $70,000 | $236,000 |
| Application Approved But Not Accepted | 9 | $1,305,000 | $145,000 | $255,000 | $75,000 | $201,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 725 | $138,335,000 | $190,000 | $1,205,000 | $103,000 | $662,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2021 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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