Wilson & Muir Bank & Trust Company mortgage approval rate & lending review
Wilson & Muir Bank & Trust Company decided 505 mortgage applications and funded 491 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wilson & Muir Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wilson & Muir Bank & Trust Company at a glance
Approval is 13.5 points above the 84.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 216 / 223 | 99% | $235K | 214 |
| Refinance | 94% | 46 / 49 | 98% | $295K | 45 |
| Investment property purchase | 99% | 145 / 146 | 100% | $145K | 145 |
| Investment refinance | 100% | 72 / 72 | 100% | $195K | 72 |
Wilson & Muir Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 98% | $235K | 487 | 473 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Wilson & Muir Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 97% | 151 | 146 |
| Jefferson County, KY | Investment property purchase | 99% | 95 | 94 |
| Jefferson County, KY | Investment refinance | 100% | 52 | 52 |
| Hardin County, KY | Mortgage lenders | 94% | 47 | 44 |
| Hardin County, KY | Investment property purchase | 100% | 40 | 40 |
| Jefferson County, KY | Refinance | 96% | 28 | 26 |
The county markets where Wilson & Muir Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Wilson & Muir Bank & Trust Company
What is Wilson & Muir Bank & Trust Company's mortgage approval rate?
Wilson & Muir Bank & Trust Company approved 97.8% of the 505 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan Wilson & Muir Bank & Trust Company offers?
Borrowers accepted 99% of the loans Wilson & Muir Bank & Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wilson & Muir Bank & Trust Company make?
The typical home purchase mortgage loan Wilson & Muir Bank & Trust Company made was $235K; across all loan types its typical loan ran from $145K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wilson & Muir Bank & Trust Company lend?
Wilson & Muir Bank & Trust Company decided applications in 6 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Florida.
Can I apply to Wilson & Muir Bank & Trust Company directly?
Yes. Wilson & Muir Bank & Trust Company is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wilson & Muir Bank & Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Wilson & Muir Bank & Trust Company treats applications, then get a rate quote from the lender.