Morgantown Bank & Trust Co Inc Mortgage Lending & HMDA Data, 2014
In 2014, Morgantown Bank & Trust Co Inc of Morgantown, KY reported 184 mortgage applications totaling $14.5 million, down 2% from 2013. The average application was for $78,630, and applicants reported an average income of $62,864. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Bowling Green, KY (153), Louisville/Jefferson County, KY-IN (2) and Nashville-Davidson--Murfreesboro--Franklin, TN (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 | 184 |
| Total Mortgage Loan Application Amount | $14,468,000 |
| Average Mortgage Loan Application Amount | $78,630 |
| Highest Mortgage Loan Application Amount | $813,000 |
| Average Applicant Income | $62,864 |
| Highest Applicant Income | $498,000 |
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records Morgantown Bank & Trust Co Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 74 | $2,015,000 | $27,000 | $394,000 | $45,000 | $136,000 |
| Home Purchase | 69 | $6,530,000 | $94,000 | $578,000 | $76,000 | $300,000 |
| Refinancing | 41 | $5,923,000 | $144,000 | $813,000 | $73,000 | $498,000 |
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 | 174 | $11,640,000 | $66,000 | $394,000 | $66,000 | $498,000 |
| Not applicable | 7 | $2,748,000 | $392,000 | $813,000 | $0 | $0 |
| Hispanic | 2 | $42,000 | $21,000 | $38,000 | $31,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $38,000 | $38,000 | $38,000 | $66,000 | $66,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 184 | $14,468,000 | $78,000 | $813,000 | $63,000 | $498,000 |
| 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 | 149 | $11,188,000 | $75,000 | $578,000 | $66,000 | $498,000 |
| Application Denied By Financial Institution | 21 | $1,876,000 | $89,000 | $813,000 | $39,000 | $93,000 |
| Application Approved But Not Accepted | 12 | $993,000 | $82,000 | $227,000 | $61,000 | $178,000 |
| Application Withdrawn By Applicant | 2 | $411,000 | $205,000 | $381,000 | $42,000 | $63,000 |
| 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 2014 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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