Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 712 mortgage applications totaling $102.1 million, down 25% from 2009. The average application was for $143,422, and applicants reported an average income of $80,238. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (441), Elizabethtown, KY (137) 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 | 712 |
| Total Mortgage Loan Application Amount | $102,117,000 |
| Average Mortgage Loan Application Amount | $143,422 |
| Highest Mortgage Loan Application Amount | $617,000 |
| Average Applicant Income | $80,238 |
| Highest Applicant Income | $1,195,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 441 | $ 63,903,000 | $ 144,904 | $ 76,272 |
| Elizabethtown, KY | 137 | $ 22,719,000 | $ 165,832 | $ 99,000 |
| Bowling Green, KY | 16 | $ 2,121,000 | $ 132,562 | $ 46,000 |
| Lexington-Fayette, KY | 3 | $ 606,000 | $ 202,000 | $ 90,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 193,000 | $ 193,000 | $ 48,000 |
| Clarksville, TN-KY | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Indianapolis-Carmel, IN | 1 | $ 116,000 | $ 116,000 | $ 67,000 |
| Naples-Marco Island, FL | 1 | $ 338,000 | $ 338,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 457 | $74,248,000 | $162,000 | $617,000 | $88,000 | $1,195,000 |
| Home Purchase | 216 | $27,658,000 | $128,000 | $376,000 | $70,000 | $302,000 |
| Home Improvement | 39 | $211,000 | $5,000 | $30,000 | $46,000 | $138,000 |
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 | 652 | $93,754,000 | $143,000 | $617,000 | $83,000 | $1,195,000 |
| Black or African American | 23 | $3,495,000 | $151,000 | $291,000 | $52,000 | $170,000 |
| Not applicable | 15 | $1,333,000 | $88,000 | $178,000 | $0 | $0 |
| Not Provided | 12 | $1,860,000 | $155,000 | $275,000 | $36,000 | $160,000 |
| Hispanic | 6 | $643,000 | $107,000 | $195,000 | $42,000 | $94,000 |
| Asian | 4 | $1,032,000 | $258,000 | $417,000 | $159,000 | $348,000 |
| 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) | 565 | $79,427,000 | $140,000 | $617,000 | $86,000 | $1,195,000 |
| FHA-insured (Federal Housing Administration) | 113 | $16,468,000 | $145,000 | $294,000 | $51,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,054,000 | $189,000 | $368,000 | $78,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $168,000 | $84,000 | $105,000 | $38,000 | $43,000 |
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 | 519 | $68,195,000 | $131,000 | $417,000 | $80,000 | $479,000 |
| Application Withdrawn By Applicant | 91 | $16,206,000 | $178,000 | $417,000 | $70,000 | $278,000 |
| Application Denied By Financial Institution | 85 | $14,982,000 | $176,000 | $617,000 | $88,000 | $1,195,000 |
| File Closed For Incompleteness | 10 | $1,570,000 | $157,000 | $300,000 | $79,000 | $159,000 |
| Application Approved But Not Accepted | 7 | $1,164,000 | $166,000 | $315,000 | $112,000 | $351,000 |
| 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 | 22 | $2,733,000 | $124,000 | $265,000 | $98,000 | $1,195,000 |
| Debt-To-Income Ratio | 21 | $4,018,000 | $191,000 | $414,000 | $43,000 | $129,000 |
| Collateral | 21 | $4,496,000 | $214,000 | $617,000 | $142,000 | $569,000 |
| Credit Application Incomplete | 10 | $1,770,000 | $177,000 | $376,000 | $73,000 | $158,000 |
| Employment History | 5 | $732,000 | $146,000 | $180,000 | $57,000 | $70,000 |
| Other | 3 | $705,000 | $235,000 | $255,000 | $78,000 | $90,000 |
| Unverifiable Information | 1 | $180,000 | $180,000 | $180,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2010 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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