Wilson & Muir Bank & Trust Company Mortgage Rates, Fees & Info
Bardstown, KYLEI: 549300TMWSYX6B5ZOK69
Tax ID: 61-0288090
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Wilson & Muir Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Wilson & Muir Bank & Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Elizabethtown, Bardstown, Lexington, and Bowling Green among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Wilson & Muir Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
331Origination Dollar Volume (All Markets)
$65,725,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 131 | $31,965,000 | $244,008 | $0 | 0.00% |
| Outside of Metro Areas | 84 | $14,560,000 | $173,333 | $0 | 0.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 48 | $7,630,000 | $158,958 | $0 | 0.00% |
| Bardstown, KY (FHA|USDA|VA) | 52 | $7,210,000 | $138,654 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $0 | 0.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| London, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wilson & Muir Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Wilson & Muir Bank & Trust Company's most frequently originated type of loan was Conventional, with 307 originations. Their 2nd most popular type was FHA, with 16 originations.
Loan Reason
For 2024, Wilson & Muir Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 216 originations. The 2nd most popular reason was Refi, with 85 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 331 | $65,725,000 | $198,565 | $0 | 0.00% |
For 2024, Wilson & Muir Bank & Trust Company's most frequently cited loan duration was Other, with 331 originations.
Loan Sizing
2024 saw Wilson & Muir Bank & Trust Company place emphasis on $100k-200k loans with 142 originations, totaling $21,210,000 in origination value.
Applicant Income
Wilson & Muir Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 62 originations. The second most popular income band? $75k-100k, with 52 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 331 | $65,725,000 | $198,565 | $0 | 0.00% |
Wilson & Muir Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 331 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.20%
Wilson & Muir Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.05%
Wilson & Muir Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 331 | $65,725,000 | $198,565 |