Wilson & Muir Bank & Trust in Kentucky vs the state
3.1%Denial rate-15.69 pts vs state
3.4%Decision denial rate-20.10 pts vs state
88.6%Origination rate+30.53 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
341Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 319 | 276 | 4.7% | 7.50% | #93 |
| 2024 | 354 | 317 | 4.0% | — | #91 |
| 2025 | 385 | 341 | 3.1% | — | #91 |
What Wilson & Muir Bank & Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Wilson & Muir Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 145 | 133 | 0 | 0.0% |
| Grayson County | 64 | 51 | 6 | 9.4% |
| Nelson County | 61 | 56 | 1 | 1.6% |
| Hardin County | 48 | 41 | 1 | 2.1% |
| Oldham County | 12 | 12 | 0 | 0.0% |
| Larue County | 7 | 6 | 0 | 0.0% |
| Logan County | 6 | 4 | 1 | 16.7% |
| Fayette County | 5 | 5 | 0 | 0.0% |
| Bullitt County | 5 | 5 | 0 | 0.0% |
| Breckinridge County | 4 | 3 | 1 | 25.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 385 applications in 2025, of which 341 were originated and 12 denied.
3.1% of all applications, or 3.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Wilson & Muir Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology