Applications / Mortgage Analytics / Lenders / Kentucky / Monticello Banking Company
Monticello Banking Company
Monticello, KY · State member bank · FRS · $1.1 billion assets · 166 loans in 2025
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166
loans originated, 2025
231
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
FIG. 1 — LOANS ORIGINATED, 2018–2025
166 loans in 2025, against a peak of 552 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Monticello Banking Company took 231 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.1% of its 2025 loans were purchase loans; 100.0% were Conventional.
Purchase 65.1% · Refinance 33.1% · Home improvement 1.8%
Conventional 100.0% · of 166 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 4 metros, 24 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 165 | 99.4% |
| Florida | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 22 |
| Bowling Green | 12 |
| Louisville/Jefferson County | 5 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930020VWE4K0ME5605 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 266945 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3292 | 2004–2009 |
| Respondent ID (the HMDA filer code before 2018) | 2266945 | 2010–2017 |
Established 1 January 1895. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Monticello Banking Company's data.
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Monticello Banking Company's data
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