Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 632 mortgage applications totaling $84.5 million, down 13% from 2012. The average application was for $133,707, and applicants reported an average income of $79,784. 83% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (401), Elizabethtown, KY (77) and Bowling Green, KY (2) (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 | 632 |
| Total Mortgage Loan Application Amount | $84,503,000 |
| Average Mortgage Loan Application Amount | $133,707 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $79,784 |
| Highest Applicant Income | $1,018,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 401 | $ 61,065,000 | $ 152,281 | $ 83,780 |
| Elizabethtown, KY | 77 | $ 10,895,000 | $ 141,493 | $ 99,000 |
| Bowling Green, KY | 2 | $ 696,000 | $ 348,000 | $ 50,000 |
| Jacksonville, FL | 2 | $ 341,000 | $ 170,500 | $ 117,000 |
| Lexington-Fayette, KY | 1 | $ 124,000 | $ 124,000 | $ 222,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 189,000 | $ 189,000 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2013
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 | 296 | $42,524,000 | $143,000 | $480,000 | $83,000 | $703,000 |
| Home Purchase | 283 | $41,480,000 | $146,000 | $550,000 | $82,000 | $1,018,000 |
| Home Improvement | 53 | $499,000 | $9,000 | $50,000 | $50,000 | $163,000 |
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 | 570 | $76,084,000 | $133,000 | $550,000 | $84,000 | $1,018,000 |
| Not applicable | 21 | $2,949,000 | $140,000 | $480,000 | $0 | $0 |
| Black or African American | 21 | $2,508,000 | $119,000 | $303,000 | $55,000 | $144,000 |
| Hispanic | 8 | $1,442,000 | $180,000 | $400,000 | $90,000 | $154,000 |
| Not Provided | 6 | $603,000 | $100,000 | $330,000 | $59,000 | $205,000 |
| Asian | 4 | $778,000 | $194,000 | $306,000 | $54,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $54,000 | $54,000 | $54,000 | $17,000 | $17,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $9,000 | $9,000 |
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) | 552 | $72,693,000 | $131,000 | $550,000 | $83,000 | $1,018,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,861,000 | $146,000 | $307,000 | $55,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,953,000 | $84,000 | $155,000 | $36,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,996,000 | $235,000 | $446,000 | $87,000 | $160,000 |
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 | 525 | $71,326,000 | $135,000 | $550,000 | $83,000 | $1,018,000 |
| Application Denied By Financial Institution | 74 | $8,520,000 | $115,000 | $392,000 | $64,000 | $374,000 |
| Application Withdrawn By Applicant | 30 | $4,077,000 | $135,000 | $315,000 | $63,000 | $181,000 |
| Application Approved But Not Accepted | 3 | $580,000 | $193,000 | $417,000 | $62,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $2,768,000 | $92,000 | $307,000 | $48,000 | $135,000 |
| Collateral | 17 | $2,523,000 | $148,000 | $392,000 | $115,000 | $374,000 |
| Debt-To-Income Ratio | 11 | $1,467,000 | $133,000 | $190,000 | $38,000 | $73,000 |
| Credit Application Incomplete | 7 | $1,022,000 | $146,000 | $216,000 | $58,000 | $100,000 |
| Other | 4 | $375,000 | $93,000 | $107,000 | $96,000 | $215,000 |
| Unverifiable Information | 1 | $61,000 | $61,000 | $61,000 | $10,000 | $10,000 |
| Employment History | 1 | $59,000 | $59,000 | $59,000 | $0 | $0 |
| 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 2013 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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