Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 488 mortgage applications totaling $69.2 million, up 19% from 2014. The average application was for $141,858, and applicants reported an average income of $78,571. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (176), Elizabethtown-Fort Knox, KY (79) and Bowling Green, KY (6) (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 | 488 |
| Total Mortgage Loan Application Amount | $69,227,000 |
| Average Mortgage Loan Application Amount | $141,858 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $78,571 |
| Highest Applicant Income | $489,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 176 | $ 33,090,000 | $ 188,011 | $ 86,272 |
| Elizabethtown-Fort Knox, KY | 79 | $ 10,028,000 | $ 126,936 | $ 59,000 |
| Bowling Green, KY | 6 | $ 649,000 | $ 108,166 | $ 98,000 |
| Cincinnati, OH-KY-IN | 2 | $ 682,000 | $ 341,000 | $ 179,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 473,000 | $ 236,500 | $ 186,000 |
| Canton-Massillon, OH | 1 | $ 103,000 | $ 103,000 | $ 42,000 |
| Clarksville, TN-KY | 1 | $ 260,000 | $ 260,000 | $ 101,000 |
| Columbus, IN | 1 | $ 158,000 | $ 158,000 | $ 134,000 |
| Jacksonville, FL | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| Lexington-Fayette, KY | 1 | $ 300,000 | $ 300,000 | $ 126,000 |
| Owensboro, KY | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Tuscaloosa, AL | 1 | $ 226,000 | $ 226,000 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 491,000 | $ 491,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2015
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 | 275 | $41,656,000 | $151,000 | $750,000 | $79,000 | $454,000 |
| Refinancing | 164 | $25,471,000 | $155,000 | $417,000 | $84,000 | $489,000 |
| Home Improvement | 49 | $2,100,000 | $42,000 | $363,000 | $58,000 | $435,000 |
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 | 432 | $60,968,000 | $141,000 | $750,000 | $84,000 | $489,000 |
| Not applicable | 24 | $3,668,000 | $152,000 | $533,000 | $0 | $0 |
| Black or African American | 11 | $1,743,000 | $158,000 | $270,000 | $52,000 | $180,000 |
| Hispanic | 9 | $1,396,000 | $155,000 | $261,000 | $66,000 | $125,000 |
| Asian | 6 | $946,000 | $157,000 | $282,000 | $129,000 | $349,000 |
| Not Provided | 4 | $412,000 | $103,000 | $280,000 | $64,000 | $194,000 |
| American Indian or Alaskan Native | 2 | $94,000 | $47,000 | $91,000 | $42,000 | $75,000 |
| 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) | 442 | $60,615,000 | $137,000 | $750,000 | $81,000 | $489,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,026,000 | $149,000 | $270,000 | $44,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 10 | $3,898,000 | $389,000 | $750,000 | $111,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $688,000 | $76,000 | $101,000 | $30,000 | $54,000 |
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 | 418 | $59,716,000 | $142,000 | $750,000 | $81,000 | $489,000 |
| Application Denied By Financial Institution | 40 | $5,165,000 | $129,000 | $417,000 | $66,000 | $275,000 |
| Application Withdrawn By Applicant | 22 | $3,984,000 | $181,000 | $750,000 | $69,000 | $139,000 |
| Application Approved But Not Accepted | 7 | $287,000 | $41,000 | $133,000 | $48,000 | $114,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| 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 | 16 | $932,000 | $58,000 | $280,000 | $53,000 | $194,000 |
| Collateral | 8 | $1,135,000 | $141,000 | $417,000 | $102,000 | $275,000 |
| Credit Application Incomplete | 6 | $1,390,000 | $231,000 | $373,000 | $59,000 | $148,000 |
| Debt-To-Income Ratio | 5 | $453,000 | $90,000 | $212,000 | $39,000 | $53,000 |
| Employment History | 1 | $58,000 | $58,000 | $58,000 | $46,000 | $46,000 |
| Other | 1 | $392,000 | $392,000 | $392,000 | $107,000 | $107,000 |
| Unverifiable Information | 1 | $417,000 | $417,000 | $417,000 | $101,000 | $101,000 |
| 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 2015 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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