Wilson & Muir Bank & Trust Company Mortgage Rates, Fees & Info
Bardstown, KYLEI: 549300TMWSYX6B5ZOK69
Tax ID: 61-0288090
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Bank Data
Review & Overview
Wilson & Muir Bank & Trust Company is a smaller bank specializing in Home Purchase loans. Wilson & Muir Bank & Trust Company has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Louisville, Bardstown, Elizabethtown, Bowling Green, and Baltimore among others. We have data for 10 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.84% | 12/16/24 |
| 30 Year Conventional Refi | 6.82% | 12/16/24 |
| 30 Year Cash-out Refi | 6.63% | 12/16/24 |
| 30 Year FHA Purchase | 6.87% | 12/16/24 |
| 30 Year VA Purchase | 6.21% | 12/16/24 |
| 30 Year USDA Purchase | 6.72% | 12/16/24 |
| 15 Year Conventional Purchase | 5.82% | 12/16/24 |
| 15 Year Conventional Refi | 6.14% | 12/16/24 |
| 15 Year Cash-out Refi | 6.14% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wilson & Muir Bank & Trust Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
392Origination Dollar Volume (All Markets)
$61,840,000Employee count
131Top 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) | 144 | $28,520,000 | $198,056 | $0 | 0.00% |
| Bardstown, KY (FHA|USDA|VA) | 83 | $11,175,000 | $134,639 | $0 | 0.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 70 | $10,540,000 | $150,571 | $0 | 0.00% |
| Outside of Metro Areas | 81 | $8,525,000 | $105,247 | $0 | 0.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $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 2018, Wilson & Muir Bank & Trust Company's most frequently originated type of loan was Conventional, with 368 originations. Their 2nd most popular type was USDA, with 9 originations.
Loan Reason
For 2018, Wilson & Muir Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 240 originations. The 2nd most popular reason was Refi, with 78 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 392 | $61,840,000 | $157,755 | $0 | 0.00% |
For 2018, Wilson & Muir Bank & Trust Company's most frequently cited loan duration was Other, with 392 originations.
Loan Sizing
2018 saw Wilson & Muir Bank & Trust Company place emphasis on $100,000 or less loans with 153 originations, totaling $9,465,000 in origination value.
Applicant Income
Wilson & Muir Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 87 originations. The second most popular income band? $50k-75k, with 73 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 392 | $61,840,000 | $157,755 | $0 | 0.00% |
Wilson & Muir Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 392 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.72%
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 origination91.58%
Wilson & Muir Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 392 | $61,840,000 | $157,755 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| WILSON & ASSOCIATES, PLLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |
| WILSON & ASSOCIATES, PLLC | Other type of mortgage | Struggling to pay mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Wilson & Muir Bank & Trust Company | 101 Culpeper Ave Bardstown, KY 40004 | Full Service B&M | $6,258 |
| Wilson & Muir Bank & Trust Company | 101 Padgett Street Bardstown, KY 40004 | Full Service B&M | $45,204 |
| Wilson & Muir Bank & Trust Company | 105 Taylorsville Road Bloomfield, KY 40008 | Full Service B&M | $24,514 |
| Wilson & Muir Bank & Trust Company | 107 North Third Street Bardstown, KY 40004 | Full Service B&M | $159,046 |
| Wilson & Muir Bank & Trust Company | 118 South Main Street Leitchfield, KY 42754 | Full Service B&M | $88,375 |
| Wilson & Muir Bank & Trust Company | 123 W Main Street Vine Grove, KY 40175 | Full Service B&M | $29,911 |
| Wilson & Muir Bank & Trust Company | 130 St. Matthews Avenue Louisville, KY 40207 | Full Service B&M | $30,585 |
| Wilson & Muir Bank & Trust Company | 1315 Elizabethtown Road Leitchfield, KY 42754 | Full Service B&M | $12,272 |
| Wilson & Muir Bank & Trust Company | 170 Chaplin Road Bloomfield, KY 40008 | Limited, Drive-thru | $0 |
| Wilson & Muir Bank & Trust Company | 250 West Dixie Avenue Elizabethtown, KY 42701 | Full Service B&M | $14,985 |
| Wilson & Muir Bank & Trust Company | 9790 Elizabethtown Rd Big Clifty, KY 42712 | Full Service B&M | $23,424 |
For 2018, Wilson & Muir Bank & Trust Company had 11 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $20,793 |
| Net interest income | $20,364 |
| Total noninterest income | $3,356 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,810 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,546 |
| Pre-tax net operating income | $10,245 |
| Securities gains (or losses, -) | $3 |
| Income before extraordinary items | $10,248 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $10,248 |
| Minority interest net income | $0 |
| Net income | $10,248 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $10,245 |
Wilson & Muir Bank & Trust Company's gross interest income from loans was $20,793,000.
Wilson & Muir Bank & Trust Company's net interest income from loans was $20,364,000.
Wilson & Muir Bank & Trust Company's fee based income from loans was $1,810,000.
Wilson & Muir Bank & Trust Company's net income from loans was $10,248,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $429 |
| Provision for credit losses | $125 |
| Total noninterest expense | $13,350 |
| Salaries and employee benefits | $7,959 |
| Premises and equipment expense | $1,039 |
| Additional noninterest expense | $4,352 |
| Applicable income taxes | $0 |
| Net charge-offs | $304 |
| Cash dividends | $8,288 |
Wilson & Muir Bank & Trust Company's interest expense for loans was $429,000.
Wilson & Muir Bank & Trust Company's payroll and benefits expense were $7,959,000.
Wilson & Muir Bank & Trust Company's property, plant and equipment expenses $1,039,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 3.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 2.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $450,895 |
| Deposits held in domestic offices | $450,895 |
| Deposits by Individuals, partnerships, and corporations | $417,758 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $33,137 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $56,085 |
| Demand deposits | $38,722 |
| Nontransaction accounts | $394,810 |
| Money market deposit accounts (MMDAs) | $66,315 |
| Other savings deposits (excluding MMDAs) | $268,749 |
| Total time deposits | $59,745 |
| Total time and savings deposits | $412,173 |
| Noninterest-bearing deposits | $38,722 |
| Interest-bearing deposits | $412,173 |
| Retail deposits | $443,780 |
| IRAs and Keogh plan accounts | $18,963 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $519,326 |
| Cash & Balances due from depository institutions | $41,201 |
| Interest-bearing balances | $34,964 |
| Total securities | $152,547 |
| Federal funds sold & reverse repurchase | $4,600 |
| Net loans and leases | $302,008 |
| Loan and leases loss allowance | $2,712 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,555 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $11,415 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $519,326 |
| Total Liabilities | $476,689 |
| Total deposits | $450,895 |
| Interest-bearing deposits | $412,173 |
| Deposits held in domestic offices | $450,895 |
| % insured (estimated) | $74 |
| Federal funds purchased and repurchase agreements | $23,472 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,322 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $302,008 |
| Loan and leases loss allowance | $2,712 |
| Total loans and leases (domestic) | $304,720 |
| All real estate loans | $225,165 |
| Real estate loans in domestic offices | $225,165 |
| Construction and development loans | $22,053 |
| Residential 1-4 family construction | $14,518 |
| Other construction, all land development and other land | $7,535 |
| Loans secured by nonfarm nonresidential properties | $75,579 |
| Nonfarm nonresidential secured by owner-occupied properties | $31,666 |
| Commercial real estate & other non-farm, non-residential | $43,913 |
| Multifamily residential real estate | $10,257 |
| 1-4 family residential loans | $103,865 |
| Farmland loans | $13,411 |
| Loans held in foreign offices | $0 |
| Farm loans | $3,925 |
| Commercial and industrial loans | $58,803 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $13,311 |
| Credit card loans | $891 |
| Related Plans | $146 |
| Consumer Auto Loans | $4,531 |
| Other loans to individuals | $7,743 |
| All other loans & leases | $3,516 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $2,300 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $888 |
| Non 1-4 family restructured loans & leases | $854 |
| Total loans and leases (foreign) | $0 |
Wilson & Muir Bank & Trust Company had $302,008,000 of loans outstanding in 2018. $225,165,000 of loans were in real estate loans. $22,053,000 of loans were in development loans. $10,257,000 of loans were in multifamily mortgage loans. $103,865,000 of loans were in 1-4 family mortgage loans. $3,925,000 of loans were in farm loans. $891,000 of loans were in credit card loans. $4,531,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 285 | $49,561 | $173,898 |
| Nonfarm, nonresidential loans - <$100k | 79 | $3,552 | $44,962 |
| Nonfarm, nonresidential loans - $100-250k | 125 | $16,858 | $134,864 |
| Nonfarm, nonresidential loans - $250k-1MM | 81 | $29,151 | $359,889 |
| Commercial & Industrial, US addressed loans - <$1MM | 767 | $38,534 | $50,240 |
| Commercial & Industrial, US addressed loans - <$100k | 620 | $13,741 | $22,163 |
| Commercial & Industrial, US addressed loans - $100-250k | 95 | $9,709 | $102,200 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 52 | $15,084 | $290,077 |
| Farmland loans - <$1MM | 144 | $12,544 | $87,111 |
| Farmland loans - <$100k | 79 | $3,316 | $41,975 |
| Farmland loans - $100-250k | 52 | $5,806 | $111,654 |
| Farmland loans - $250k-1MM | 13 | $3,422 | $263,231 |
| Agriculture operations loans - <$1MM | 221 | $3,925 | $17,760 |
| Agriculture operations loans - <$100k | 216 | $3,320 | $15,370 |
| Agriculture operations loans - $100-250k | 4 | $345 | $86,250 |
| Agriculture operations loans - $250k-1MM | 1 | $260 | $260,000 |