Wilson & Muir Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
82nd3.3% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 322 | 279 | 4.7% | 5.1% | 7.50% | $60M |
| 2024 | 368 | 331 | 3.8% | 4.0% | — | $66M |
| 2025 | 399 | 352 | 3.0% | 3.3% | — | $88M |
What Wilson & Muir Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 101 investment properties.
Who gets approved at Wilson & Muir Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 27 | 12.9% |
| $50k – $100k | 117 | 102 | 2.8% |
| $100k – $150k | 80 | 70 | 4.1% |
| $150k – $250k | 58 | 50 | 0.0% |
| Over $250k | 31 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 34 | 32 | 0.0% |
| 25–34 | 89 | 76 | 2.5% |
| 35–44 | 61 | 51 | 5.6% |
| 45–54 | 63 | 52 | 7.1% |
| 55–64 | 55 | 49 | 5.8% |
| 65–74 | 21 | 18 | 0.0% |
Where Wilson & Muir Bank & Trust lends
5 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Wilson & Muir Bank & Trust denied 3.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 82nd percentile of small mortgage lenders.
In 2025, 67% of its applications were for home purchases, 27% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 89% conventional, 7% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.