Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 448 mortgage applications totaling $98.2 million, down 38% from 2021. The average application was for $219,107, and applicants reported an average income of $129,830. 90% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (167), Elizabethtown-Fort Knox, KY (71) and Bowling Green, KY (9) (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 | 448 |
| Total Mortgage Loan Application Amount | $98,160,000 |
| Average Mortgage Loan Application Amount | $219,107 |
| Highest Mortgage Loan Application Amount | $2,515,000 |
| Average Applicant Income | $129,830 |
| Highest Applicant Income | $748,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 130 | $ 37,460,000 | $ 288,153 | $ 185,000 |
| Grayson, Kentucky | 73 | $ 11,375,000 | $ 155,821 | $ 84,000 |
| Nelson, Kentucky | 72 | $ 12,520,000 | $ 173,888 | $ 106,000 |
| Hardin, Kentucky | 61 | $ 10,735,000 | $ 175,983 | $ 108,000 |
| Logan, Kentucky | 14 | $ 2,280,000 | $ 162,857 | $ 58,000 |
| Oldham, Kentucky | 13 | $ 4,985,000 | $ 383,461 | $ 307,000 |
| Edmonson, Kentucky | 8 | $ 1,300,000 | $ 162,500 | $ 111,000 |
| Breckinridge, Kentucky | 7 | $ 1,355,000 | $ 193,571 | $ 99,000 |
| Larue, Kentucky | 7 | $ 705,000 | $ 100,714 | $ 43,000 |
| Floyd, Indiana | 6 | $ 1,780,000 | $ 296,666 | $ 170,000 |
| Fayette, Kentucky | 6 | $ 1,650,000 | $ 275,000 | $ 136,000 |
| Clark, Indiana | 5 | $ 835,000 | $ 167,000 | $ 105,000 |
| Shelby, Kentucky | 5 | $ 1,525,000 | $ 305,000 | $ 146,000 |
| Spencer, Kentucky | 4 | $ 350,000 | $ 87,500 | $ 77,000 |
| Bullitt, Kentucky | 3 | $ 725,000 | $ 241,666 | $ 66,000 |
| Meade, Kentucky | 3 | $ 705,000 | $ 235,000 | $ 49,000 |
| Duval, Florida | 2 | $ 420,000 | $ 210,000 | $ 84,000 |
| Hart, Kentucky | 2 | $ 500,000 | $ 250,000 | $ 387,000 |
| Marion, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 29,000 |
| Taylor, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| Todd, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 68,000 |
| Benton, Arkansas | 1 | $ 435,000 | $ 435,000 | $ 112,000 |
| Collier, Florida | 1 | $ 645,000 | $ 645,000 | $ 339,000 |
| Lee, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Marion, Florida | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Pinellas, Florida | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Anderson, Kentucky | 1 | $ 375,000 | $ 375,000 | $ 102,000 |
| Boone, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Franklin, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Henry, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Metcalfe, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Pulaski, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Simpson, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 210,000 |
| Trimble, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Warren, Kentucky | 1 | $ 315,000 | $ 315,000 | $ 137,000 |
| Washington, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 119,000 |
| Pearl River, Mississippi | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| St. Louis City, Missouri | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Clark, Nevada | 1 | $ 385,000 | $ 385,000 | $ 93,000 |
| Davidson, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Sumner, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Cameron, Texas | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2022
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 | 254 | $58,560,000 | $230,000 | $2,515,000 | $132,000 | $725,000 |
| Refinancing | 122 | $28,090,000 | $230,000 | $1,505,000 | $152,000 | $748,000 |
| Cash-out Refinancing | 38 | $7,410,000 | $195,000 | $505,000 | $82,000 | $221,000 |
| Other Purpose | 24 | $2,090,000 | $87,000 | $495,000 | $79,000 | $232,000 |
| Home Improvement | 10 | $2,010,000 | $201,000 | $805,000 | $108,000 | $205,000 |
| 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 | 365 | $76,535,000 | $209,000 | $1,005,000 | $129,000 | $748,000 |
| Not applicable | 68 | $18,020,000 | $265,000 | $2,515,000 | $0 | $0 |
| Asian | 5 | $1,445,000 | $289,000 | $515,000 | $210,000 | $725,000 |
| Hispanic | 3 | $665,000 | $221,000 | $435,000 | $70,000 | $112,000 |
| Not Provided | 3 | $655,000 | $218,000 | $395,000 | $86,000 | $174,000 |
| Black or African American | 2 | $290,000 | $145,000 | $205,000 | $83,000 | $124,000 |
| American Indian or Alaskan Native | 1 | $335,000 | $335,000 | $335,000 | $115,000 | $115,000 |
| 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) | 428 | $93,770,000 | $219,000 | $2,515,000 | $132,000 | $748,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,240,000 | $155,000 | $215,000 | $55,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,640,000 | $273,000 | $385,000 | $87,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,510,000 | $251,000 | $375,000 | $81,000 | $125,000 |
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 | 402 | $90,430,000 | $224,000 | $2,515,000 | $133,000 | $748,000 |
| Application Withdrawn By Applicant | 24 | $5,220,000 | $217,000 | $375,000 | $108,000 | $341,000 |
| Application Denied By Financial Institution | 16 | $1,670,000 | $104,000 | $305,000 | $71,000 | $199,000 |
| Application Approved But Not Accepted | 6 | $840,000 | $140,000 | $345,000 | $81,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 432 | $96,490,000 | $223,000 | $2,515,000 | $131,000 | $748,000 |
| Credit History | 6 | $480,000 | $80,000 | $145,000 | $67,000 | $125,000 |
| Debt-To-Income Ratio | 3 | $185,000 | $61,000 | $105,000 | $30,000 | $36,000 |
| Other | 3 | $345,000 | $115,000 | $145,000 | $89,000 | $199,000 |
| Collateral | 2 | $230,000 | $115,000 | $125,000 | $101,000 | $166,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $38,000 | $38,000 |
| Employment History | 1 | $305,000 | $305,000 | $305,000 | $135,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2022 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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