Morgantown Bank & Trust Co Inc Mortgage Lending & HMDA Data, 2011
In 2011, Morgantown Bank & Trust Co Inc of Morgantown, KY reported 176 mortgage applications totaling $12.5 million. The average application was for $71,301, and applicants reported an average income of $60,409. 78% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Bowling Green, KY (22), Louisville-Jefferson County, KY-IN (3) and Cape Coral-Fort Myers, FL (1) (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 | 176 |
| Total Mortgage Loan Application Amount | $12,549,000 |
| Average Mortgage Loan Application Amount | $71,301 |
| Highest Mortgage Loan Application Amount | $974,000 |
| Average Applicant Income | $60,409 |
| Highest Applicant Income | $579,000 |
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records Morgantown Bank & Trust Co Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Morgantown Bank & Trust Co Inc in 2011
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 Improvement | 80 | $1,098,000 | $13,000 | $127,000 | $39,000 | $265,000 |
| Home Purchase | 51 | $3,021,000 | $59,000 | $365,000 | $82,000 | $579,000 |
| Refinancing | 45 | $8,430,000 | $187,000 | $974,000 | $74,000 | $237,000 |
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 | 167 | $10,902,000 | $65,000 | $974,000 | $61,000 | $579,000 |
| Not applicable | 7 | $1,463,000 | $209,000 | $875,000 | $0 | $0 |
| Not Provided | 1 | $165,000 | $165,000 | $165,000 | $400,000 | $400,000 |
| American Indian or Alaskan Native | 1 | $19,000 | $19,000 | $19,000 | $54,000 | $54,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 176 | $12,549,000 | $71,000 | $974,000 | $61,000 | $579,000 |
| 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 | 137 | $9,483,000 | $69,000 | $974,000 | $62,000 | $579,000 |
| Application Denied By Financial Institution | 35 | $2,519,000 | $71,000 | $603,000 | $44,000 | $186,000 |
| Application Withdrawn By Applicant | 3 | $281,000 | $93,000 | $165,000 | $192,000 | $400,000 |
| Application Approved But Not Accepted | 1 | $266,000 | $266,000 | $266,000 | $129,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Morgantown Bank & Trust Co Inc's 2011 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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