Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 802 mortgage applications totaling $85.7 million, down 19% from 2005. The average application was for $106,802, and applicants reported an average income of $65,548. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (393), Elizabethtown, KY (155) and Clarksville, TN-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 | 802 |
| Total Mortgage Loan Application Amount | $85,656,000 |
| Average Mortgage Loan Application Amount | $106,802 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $65,548 |
| Highest Applicant Income | $1,013,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville-Jefferson County, KY-IN | 393 | $ 44,336,000 | $ 112,814 | $ 63,315 |
| Elizabethtown, KY | 155 | $ 17,859,000 | $ 115,219 | $ 69,000 |
| Clarksville, TN-KY | 4 | $ 617,000 | $ 154,250 | $ 108,000 |
| Bowling Green, KY | 2 | $ 153,000 | $ 76,500 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 157,000 | $ 78,500 | $ 65,000 |
| Lexington-Fayette, KY | 2 | $ 313,000 | $ 156,500 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 240,000 | $ 240,000 | $ 221,000 |
| Birmingham-Hoover, AL | 1 | $ 650,000 | $ 650,000 | $ 396,000 |
| Evansville, IN-KY | 1 | $ 109,000 | $ 109,000 | $ 40,000 |
| Gary, IN | 1 | $ 140,000 | $ 140,000 | $ 200,000 |
| Owensboro, KY | 1 | $ 248,000 | $ 248,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2006
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 | 425 | $47,550,000 | $111,000 | $650,000 | $62,000 | $569,000 |
| Refinancing | 300 | $36,868,000 | $122,000 | $600,000 | $72,000 | $600,000 |
| Home Improvement | 77 | $1,238,000 | $16,000 | $180,000 | $60,000 | $1,013,000 |
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 | 758 | $80,864,000 | $106,000 | $650,000 | $64,000 | $1,013,000 |
| Black or African American | 20 | $1,896,000 | $94,000 | $262,000 | $54,000 | $116,000 |
| Not applicable | 15 | $1,552,000 | $103,000 | $360,000 | $124,000 | $400,000 |
| Hispanic | 7 | $632,000 | $90,000 | $167,000 | $39,000 | $52,000 |
| Asian | 1 | $600,000 | $600,000 | $600,000 | $514,000 | $514,000 |
| Not Provided | 1 | $112,000 | $112,000 | $112,000 | $25,000 | $25,000 |
| 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) | 734 | $76,894,000 | $104,000 | $650,000 | $66,000 | $1,013,000 |
| FHA-insured (Federal Housing Administration) | 44 | $5,496,000 | $124,000 | $217,000 | $57,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,676,000 | $157,000 | $331,000 | $65,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $590,000 | $84,000 | $116,000 | $33,000 | $49,000 |
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 | 657 | $69,591,000 | $105,000 | $650,000 | $68,000 | $1,013,000 |
| Application Denied By Financial Institution | 82 | $8,642,000 | $105,000 | $636,000 | $53,000 | $312,000 |
| Application Withdrawn By Applicant | 63 | $7,423,000 | $117,000 | $417,000 | $62,000 | $251,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 37 | $4,282,000 | $115,000 | $592,000 | $55,000 | $312,000 |
| Collateral | 13 | $1,187,000 | $91,000 | $233,000 | $51,000 | $200,000 |
| Credit Application Incomplete | 13 | $1,698,000 | $130,000 | $636,000 | $61,000 | $304,000 |
| Other | 8 | $626,000 | $78,000 | $160,000 | $48,000 | $143,000 |
| Debt-To-Income Ratio | 6 | $509,000 | $84,000 | $208,000 | $38,000 | $48,000 |
| Employment History | 2 | $126,000 | $63,000 | $76,000 | $17,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $28,000 | $28,000 | $28,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 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 2006 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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