Applications / Mortgage Analytics / Lenders / Kentucky / Morgantown Bank & Trust Company
Morgantown, KY · State non-member bank · FDIC · $422 million assets · 166 loans in 2025
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166
loans originated, 2025
185
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Morgantown Bank & Trust Company, a Kentucky bank that makes only conventional loans, lent less in 2025 while its market grew.
It made 166 loans, 9% fewer than its 183 in 2024. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the whole market. The fall followed its busiest recent year, and 2025 was still above the 155 loans it made in 2020.
All its loans were conventional, as in every year shown. Its typical loan, $165,000, was close to peers' $175,000. Only 0.9% were higher-priced (a rate well above the average for similar loans), against 2.3% at peers.
In Bowling Green, KY, its largest market, it ranked 19 of 250 lenders with 1.9% of lending, down from 2.7%. American Bank & Trust Company led. The lower share matches its smaller count and may partly be a return from an unusually strong 2024.
Low- and moderate-income (LMI) borrowers took 19.1% of its loans, down from 27.0% in 2024 and lower than at about four in five similar lenders. Its share in LMI areas, 16.3%, was near the middle of its peers, so the change may reflect the incomes of this year's buyers rather than where it lends.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Morgantown Bank & Trust Company took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.6% · Refinance 35.5% · Home improvement 7.8% · Other 6.0%
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
| State | Loans | Share |
|---|---|---|
| Kentucky | 159 | 95.8% |
| Tennessee | 4 | 2.4% |
| Florida | 2 | 1.2% |
| Georgia | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 115 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Owensboro | 2 |
| Augusta-Richmond County | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Louisville/Jefferson County | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ZN3JNCBPMI730 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 330949 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3275 | 2011–2017 |
Established 1 September 1880. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Morgantown Bank & Trust Company's data.
Morgantown Bank & Trust Company's data
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Morgantown Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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