Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 565 mortgage applications totaling $81.1 million, up 16% from 2015. The average application was for $143,568, and applicants reported an average income of $89,950. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (206), Elizabethtown-Fort Knox, KY (109) and Bowling Green, KY (7) (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 | 565 |
| Total Mortgage Loan Application Amount | $81,116,000 |
| Average Mortgage Loan Application Amount | $143,568 |
| Highest Mortgage Loan Application Amount | $909,000 |
| Average Applicant Income | $89,950 |
| Highest Applicant Income | $780,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 206 | $ 37,133,000 | $ 180,257 | $ 94,737 |
| Elizabethtown-Fort Knox, KY | 109 | $ 15,532,000 | $ 142,495 | $ 104,000 |
| Bowling Green, KY | 7 | $ 1,141,000 | $ 163,000 | $ 89,000 |
| Lexington-Fayette, KY | 5 | $ 1,004,000 | $ 200,800 | $ 98,000 |
| Anchorage, AK | 1 | $ 320,000 | $ 320,000 | $ 341,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 909,000 | $ 909,000 | $ 501,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 600,000 | $ 600,000 | $ 780,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2016
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 | 287 | $43,348,000 | $151,000 | $909,000 | $88,000 | $780,000 |
| Refinancing | 216 | $35,852,000 | $165,000 | $553,000 | $102,000 | $638,000 |
| Home Improvement | 62 | $1,916,000 | $30,000 | $320,000 | $57,000 | $225,000 |
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 | 492 | $69,601,000 | $141,000 | $633,000 | $94,000 | $780,000 |
| Not applicable | 41 | $5,395,000 | $131,000 | $417,000 | $23,000 | $666,000 |
| Black or African American | 11 | $2,101,000 | $191,000 | $553,000 | $70,000 | $151,000 |
| Hispanic | 8 | $1,041,000 | $130,000 | $300,000 | $86,000 | $217,000 |
| Asian | 6 | $1,703,000 | $283,000 | $909,000 | $201,000 | $501,000 |
| Not Provided | 6 | $1,246,000 | $207,000 | $390,000 | $147,000 | $314,000 |
| American Indian or Alaskan Native | 1 | $29,000 | $29,000 | $29,000 | $102,000 | $102,000 |
| Native Hawaiin 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) | 518 | $74,343,000 | $143,000 | $909,000 | $93,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,364,000 | $124,000 | $254,000 | $57,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,739,000 | $96,000 | $149,000 | $39,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,670,000 | $267,000 | $553,000 | $96,000 | $165,000 |
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 | 484 | $70,239,000 | $145,000 | $909,000 | $91,000 | $780,000 |
| Application Denied By Financial Institution | 45 | $5,698,000 | $126,000 | $417,000 | $82,000 | $416,000 |
| Application Withdrawn By Applicant | 25 | $3,898,000 | $155,000 | $360,000 | $88,000 | $350,000 |
| Application Approved But Not Accepted | 11 | $1,281,000 | $116,000 | $355,000 | $73,000 | $197,000 |
| 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 | 16 | $1,143,000 | $71,000 | $272,000 | $58,000 | $120,000 |
| Debt-To-Income Ratio | 10 | $1,476,000 | $147,000 | $372,000 | $54,000 | $102,000 |
| Collateral | 8 | $1,682,000 | $210,000 | $360,000 | $153,000 | $416,000 |
| Other | 4 | $400,000 | $100,000 | $196,000 | $51,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $463,000 | $231,000 | $417,000 | $73,000 | $111,000 |
| Unverifiable Information | 1 | $64,000 | $64,000 | $64,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 1 | $162,000 | $162,000 | $162,000 | $91,000 | $91,000 |
| Employment History | 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 2016 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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