WILSON & MUIR BANK & TRUST COMPANY
BARDSTOWN, KY
WILSON & MUIR BANK & TRUST COMPANY processed 368 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 331 loans with a 3.8% denial rate. Home Purchase was the primary loan purpose. Based in BARDSTOWN, KY. The approval rate of 89.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. WILSON & MUIR BANK & TRUST COMPANY processed 368 HMDA-reported mortgage applications in 2024, originating 331 loans and denying 14 for a denial rate of 3.8% (applicants themselves withdrew 18 files before a decision). The average loan amount was $199,946. The lender reports under LEI 549300TMWSYX6B5ZOK69 from BARDSTOWN, KY.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. WILSON & MUIR BANK & TRUST COMPANY's 89.9% origination rate tells you how often an application turned into funded money; the 3.8% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (336 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 336 | 307 | 11 | $197,649 |
| FHA | 18 | 16 | 2 | $235,556 |
| USDA | 10 | 7 | 0 | $196,000 |
| VA | 4 | 1 | 1 | $242,500 |
Top loan types — WILSON & MUIR BANK & TRUST COMPANY
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for WILSON & MUIR BANK & TRUST COMPANY (LEI: 549300TMWSYX6B5ZOK69) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 243 | 216 | $211,337 |
| Refinancing | 90 | 85 | $205,111 |
| Other | 18 | 14 | $69,444 |
| Cash-out Refinancing | 12 | 11 | $158,333 |
| Home Improvement | 5 | 5 | $123,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 257 | 88.7% | 3.1% |
| Black or African American | 5 | 100.0% | 0.0% |
| Joint | 4 | 75.0% | 0.0% |
| Asian | 2 | 100.0% | 0.0% |
| 2 or more minority races | 1 | 100.0% | 0.0% |
| Native Hawaiian or Other Pacific Islander | 1 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 264 | 88.6% | 3.0% |
| Hispanic or Latino | 5 | 100.0% | 0.0% |
| Joint | 3 | 100.0% | 0.0% |
Nearby Lenders in KY
Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.
STOCKTON MORTGAGE CORPORATION
FRANKFORT, KY
Liberty Federal Credit Union
Louisville, KY
FARM CREDIT MID-AMERICA, ACA
LOUISVILLE, KY
MAGNOLIA BANK
Elizabethtown, KY
REPUBLIC BANK & TRUST
LOUISVILLE, KY
Mortgage Lending Guides
Frequently Asked Questions
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What types of mortgage loans does WILSON & MUIR BANK & TRUST COMPANY offer?
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How does WILSON & MUIR BANK & TRUST COMPANY compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.