Wilson & Muir Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Wilson & Muir Bank & Trust Company of Bardstown, KY reported 858 mortgage applications totaling $169.3 million, up 66% from 2019. The average application was for $197,342, and applicants reported an average income of $113,751. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (283), Elizabethtown-Fort Knox, KY (146) and Bowling Green, KY (26) (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 | 858 |
| Total Mortgage Loan Application Amount | $169,320,000 |
| Average Mortgage Loan Application Amount | $197,342 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $113,751 |
| Highest Applicant Income | $3,510,000 |
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Wilson & Muir Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 351 | $ 57,605,000 | $ 164,116 | $ 86,000 |
| Louisville/Jefferson County, KY-IN | 283 | $ 66,225,000 | $ 234,010 | $ 142,717 |
| Elizabethtown-Fort Knox, KY | 146 | $ 27,970,000 | $ 191,575 | $ 123,000 |
| Bowling Green, KY | 26 | $ 5,050,000 | $ 194,230 | $ 109,000 |
| Lexington-Fayette, KY | 24 | $ 4,870,000 | $ 202,916 | $ 86,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,860,000 | $ 310,000 | $ 184,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 650,000 | $ 325,000 | $ 168,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 910,000 | $ 455,000 | $ 360,000 |
| Asheville, NC | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 355,000 | $ 355,000 | $ 275,000 |
| Charleston-North Charleston, SC | 1 | $ 505,000 | $ 505,000 | $ 300,000 |
| Charlottesville, VA | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Clarksville, TN-KY | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Dallas-Plano-Irving, TX | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Jacksonville, FL | 1 | $ 365,000 | $ 365,000 | $ 218,000 |
| Knoxville, TN | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Owensboro, KY | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| St. Louis, MO-IL | 1 | $ 255,000 | $ 255,000 | $ 351,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 445,000 | $ 445,000 | $ 206,000 |
Mortgage Loan Application Detail Totals for Wilson & Muir Bank & Trust Company in 2020
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 | 378 | $80,800,000 | $213,000 | $1,045,000 | $115,000 | $2,545,000 |
| Home Purchase | 337 | $61,255,000 | $181,000 | $915,000 | $103,000 | $691,000 |
| Cash-out Refinancing | 124 | $25,520,000 | $205,000 | $515,000 | $144,000 | $3,510,000 |
| Other Purpose | 10 | $990,000 | $99,000 | $385,000 | $95,000 | $282,000 |
| Home Improvement | 9 | $755,000 | $83,000 | $215,000 | $68,000 | $83,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 757 | $148,845,000 | $196,000 | $915,000 | $111,000 | $2,545,000 |
| Not applicable | 45 | $9,185,000 | $204,000 | $1,045,000 | $0 | $0 |
| Not Provided | 27 | $5,425,000 | $200,000 | $355,000 | $103,000 | $297,000 |
| Black or African American | 17 | $3,175,000 | $186,000 | $515,000 | $70,000 | $185,000 |
| Hispanic | 7 | $1,385,000 | $197,000 | $395,000 | $576,000 | $3,510,000 |
| Asian | 3 | $915,000 | $305,000 | $515,000 | $280,000 | $480,000 |
| 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) | 782 | $153,670,000 | $196,000 | $1,045,000 | $119,000 | $3,510,000 |
| VA-guaranteed (Veterans Administration) | 29 | $8,075,000 | $278,000 | $515,000 | $93,000 | $330,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,890,000 | $120,000 | $185,000 | $37,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,685,000 | $203,000 | $265,000 | $76,000 | $131,000 |
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 | 757 | $149,805,000 | $197,000 | $1,045,000 | $111,000 | $2,545,000 |
| Application Withdrawn By Applicant | 58 | $11,970,000 | $206,000 | $515,000 | $167,000 | $3,510,000 |
| Application Denied By Financial Institution | 33 | $6,255,000 | $189,000 | $515,000 | $90,000 | $600,000 |
| Application Approved But Not Accepted | 10 | $1,290,000 | $129,000 | $255,000 | $93,000 | $151,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 858 | $169,320,000 | $197,000 | $1,045,000 | $114,000 | $3,510,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wilson & Muir Bank & Trust Company's 2020 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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