Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 322 mortgage applications totaling $70.1 million, down 28% from 2022. The average application was for $217,608, and applicants reported an average income of $127,136. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (121), Elizabethtown-Fort Knox, KY (64) and Lexington-Fayette, KY (8) (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 | 322 |
| Total Mortgage Loan Application Amount | $70,070,000 |
| Average Mortgage Loan Application Amount | $217,608 |
| Highest Mortgage Loan Application Amount | $2,755,000 |
| Average Applicant Income | $127,136 |
| Highest Applicant Income | $790,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 108 | $ 28,160,000 | $ 260,740 | $ 139,000 |
| Hardin, Kentucky | 47 | $ 10,375,000 | $ 220,744 | $ 129,000 |
| Grayson, Kentucky | 45 | $ 8,015,000 | $ 178,111 | $ 114,000 |
| Nelson, Kentucky | 43 | $ 8,515,000 | $ 198,023 | $ 129,000 |
| Breckinridge, Kentucky | 13 | $ 2,315,000 | $ 178,076 | $ 113,000 |
| Larue, Kentucky | 10 | $ 1,260,000 | $ 126,000 | $ 121,000 |
| Logan, Kentucky | 7 | $ 1,315,000 | $ 187,857 | $ 83,000 |
| Meade, Kentucky | 7 | $ 965,000 | $ 137,857 | $ 108,000 |
| Fayette, Kentucky | 6 | $ 1,300,000 | $ 216,666 | $ 150,000 |
| Oldham, Kentucky | 6 | $ 2,520,000 | $ 420,000 | $ 298,000 |
| Edmonson, Kentucky | 4 | $ 360,000 | $ 90,000 | $ 105,000 |
| Bullitt, Kentucky | 3 | $ 315,000 | $ 105,000 | $ 55,000 |
| Hart, Kentucky | 3 | $ 275,000 | $ 91,666 | $ 64,000 |
| Adair, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 126,000 |
| Jessamine, Kentucky | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Shelby, Kentucky | 2 | $ 1,070,000 | $ 535,000 | $ 156,000 |
| Warren, Kentucky | 2 | $ 600,000 | $ 300,000 | $ 116,000 |
| Clark, Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Floyd, Indiana | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Jefferson, Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Butler, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 119,000 |
| Carroll, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Franklin, Kentucky | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Madison, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Marion, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Simpson, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Todd, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Washington, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Wolfe, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2023
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 | 224 | $48,400,000 | $216,000 | $995,000 | $124,000 | $790,000 |
| Refinancing | 69 | $15,535,000 | $225,000 | $865,000 | $138,000 | $536,000 |
| Other Purpose | 16 | $3,820,000 | $238,000 | $2,755,000 | $141,000 | $535,000 |
| Cash-out Refinancing | 10 | $1,870,000 | $187,000 | $495,000 | $88,000 | $212,000 |
| Home Improvement | 3 | $445,000 | $148,000 | $185,000 | $168,000 | $201,000 |
| 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 | 240 | $51,700,000 | $215,000 | $2,755,000 | $127,000 | $790,000 |
| Not applicable | 62 | $13,110,000 | $211,000 | $865,000 | $0 | $0 |
| Black or African American | 8 | $1,790,000 | $223,000 | $395,000 | $118,000 | $280,000 |
| Not Provided | 6 | $1,620,000 | $270,000 | $645,000 | $122,000 | $345,000 |
| Asian | 3 | $605,000 | $201,000 | $315,000 | $52,000 | $87,000 |
| Hispanic | 2 | $970,000 | $485,000 | $725,000 | $214,000 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 301 | $65,945,000 | $219,000 | $2,755,000 | $132,000 | $790,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,710,000 | $171,000 | $245,000 | $59,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,130,000 | $188,000 | $225,000 | $70,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,285,000 | $257,000 | $395,000 | $94,000 | $119,000 |
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 | 279 | $60,075,000 | $215,000 | $2,755,000 | $128,000 | $790,000 |
| Application Withdrawn By Applicant | 27 | $7,195,000 | $266,000 | $655,000 | $146,000 | $588,000 |
| Application Denied By Financial Institution | 15 | $2,305,000 | $153,000 | $395,000 | $71,000 | $190,000 |
| Application Approved But Not Accepted | 1 | $495,000 | $495,000 | $495,000 | $0 | $0 |
| 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 | 307 | $67,765,000 | $220,000 | $2,755,000 | $130,000 | $790,000 |
| Debt-To-Income Ratio | 5 | $655,000 | $131,000 | $225,000 | $77,000 | $129,000 |
| Credit History | 4 | $700,000 | $175,000 | $365,000 | $100,000 | $190,000 |
| Collateral | 3 | $265,000 | $88,000 | $115,000 | $39,000 | $44,000 |
| Employment History | 2 | $530,000 | $265,000 | $395,000 | $83,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2023 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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