Morgantown Bank & Trust Company in Kentucky vs the state
2.8%Denial rate-15.99 pts vs state
2.8%Decision denial rate-20.67 pts vs state
89.8%Origination rate+31.79 pts vs state
6.95%Median rate+0.20 pts vs state
0.89Rate spread (pts)+0.57 pts vs state
$100kMedian applicant income
159Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 150 | 6.3% | 7.50% | #140 |
| 2024 | 206 | 177 | 5.3% | 7.50% | #133 |
| 2025 | 177 | 159 | 2.8% | 6.95% | #159 |
What Morgantown Bank & Trust Company lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Morgantown Bank & Trust Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 90 | 78 | 3 | 3.3% |
| Warren County | 32 | 30 | 0 | 0.0% |
| Ohio County | 29 | 26 | 1 | 3.4% |
| Muhlenberg County | 6 | 6 | 0 | 0.0% |
| Allen County | 4 | 4 | 0 | 0.0% |
| Edmonson County | 3 | 3 | 0 | 0.0% |
| Grayson County | 3 | 3 | 0 | 0.0% |
| Logan County | 3 | 3 | 0 | 0.0% |
| Barren County | 2 | 2 | 0 | 0.0% |
| Daviess County | 2 | 2 | 0 | 0.0% |
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: 177 applications in 2025, of which 159 were originated and 5 denied.
2.8% of all applications, or 2.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Morgantown Bank & Trust Company originated in Kentucky in 2025 was 6.95%, against a statewide median of 6.75%.
About this data. Figures are Morgantown Bank & Trust Company'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