Morgantown Bank & Trust Co Inc Mortgage Lending & HMDA Data, 2025
In 2025, Morgantown Bank & Trust Co Inc of Morgantown, KY reported 185 mortgage applications totaling $39.3 million, down 13% from 2024. The average application was for $212,675, and applicants reported an average income of $161,859. 90% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Bowling Green, KY (129), Nashville-Davidson--Murfreesboro--Franklin, TN (5) and Louisville/Jefferson County, KY-IN (2) (applications in parentheses).
| Mortgage Company & Address | Morgantown Bank & Trust Co Inc Po Box 68 Morgantown, KY 42261 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $39,345,000 |
| Average Mortgage Loan Application Amount | $212,675 |
| Highest Mortgage Loan Application Amount | $1,815,000 |
| Average Applicant Income | $161,859 |
| Highest Applicant Income | $3,404,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Morgantown Bank & Trust Co Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Butler, Kentucky | 90 | $ 15,690,000 | $ 174,333 | $ 146,000 |
| Warren, Kentucky | 32 | $ 8,710,000 | $ 272,187 | $ 231,000 |
| Ohio, Kentucky | 29 | $ 5,815,000 | $ 200,517 | $ 114,000 |
| Muhlenberg, Kentucky | 6 | $ 1,220,000 | $ 203,333 | $ 105,000 |
| Allen, Kentucky | 4 | $ 740,000 | $ 185,000 | $ 97,000 |
| Edmonson, Kentucky | 3 | $ 1,175,000 | $ 391,666 | $ 142,000 |
| Grayson, Kentucky | 3 | $ 215,000 | $ 71,666 | $ 32,000 |
| Logan, Kentucky | 3 | $ 865,000 | $ 288,333 | $ 178,000 |
| Williamson, Tennessee | 3 | $ 365,000 | $ 121,666 | $ 438,000 |
| Barren, Kentucky | 2 | $ 830,000 | $ 415,000 | $ 173,000 |
| Daviess, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 74,000 |
| Bay, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Volusia, Florida | 1 | $ 645,000 | $ 645,000 | $ 186,000 |
| Richmond, Georgia | 1 | $ 455,000 | $ 455,000 | $ 236,000 |
| Breckinridge, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 141,000 |
| Meade, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Oldham, Kentucky | 1 | $ 745,000 | $ 745,000 | $ 181,000 |
| Davidson, Tennessee | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 555,000 | $ 555,000 | $ 878,000 |
Mortgage Loan Application Detail Totals for Morgantown Bank & Trust Co Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 96 | $24,490,000 | $255,000 | $1,815,000 | $161,000 | $995,000 |
| Refinancing | 63 | $12,995,000 | $206,000 | $725,000 | $196,000 | $3,404,000 |
| Home Improvement | 14 | $940,000 | $67,000 | $185,000 | $68,000 | $137,000 |
| Other Purpose | 12 | $920,000 | $76,000 | $325,000 | $99,000 | $229,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 162 | $33,960,000 | $209,000 | $1,815,000 | $160,000 | $3,404,000 |
| Not applicable | 20 | $4,930,000 | $246,000 | $755,000 | $0 | $0 |
| Hispanic | 3 | $455,000 | $151,000 | $275,000 | $114,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 185 | $39,345,000 | $212,000 | $1,815,000 | $159,000 | $3,404,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 166 | $35,910,000 | $216,000 | $1,815,000 | $166,000 | $3,404,000 |
| Application Approved But Not Accepted | 14 | $2,700,000 | $192,000 | $525,000 | $115,000 | $229,000 |
| Application Denied By Financial Institution | 5 | $735,000 | $147,000 | $385,000 | $87,000 | $126,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 180 | $38,610,000 | $214,000 | $1,815,000 | $162,000 | $3,404,000 |
| Credit History | 5 | $735,000 | $147,000 | $385,000 | $87,000 | $126,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Morgantown Bank & Trust Co Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Morgantown Bank & Trust Co Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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