Morgantown Bank & Trust Company, Incorporated
Morgantown Bank & Trust Company, Incorporated received 185 applications in 2025 and made 166 mortgages, in 19 counties across 4 states. The median rate its borrowers got was 6.950% on a median loan of $165,000. Of 185 decisions, 5 were denials — 2.7%, most often for credit history.
| Legal Entity Identifier | 5493007ZN3JNCBPMI730 |
|---|---|
| Applications received | 185 |
| Mortgages made | 166 |
| Denied | 5 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.878 points |
| FDIC-insured bank | Yes: Morgantown Bank & Trust Company, Incorporated, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 84 | 6.950% | $195,000 | 2.1% |
| Refinancing | 59 | 6.950% | $165,000 | 1.6% |
| Other purposes | 23 | 6.950% | $45,000 | 7.7% |
Where Morgantown Bank & Trust Company, Incorporated lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Butler County, KY | 78 | 6.950% | 3.3% |
| Warren County, KY | 30 | 6.950% | 0.0% |
| Ohio County, KY | 26 | 6.975% | 3.5% |
| Muhlenberg County, KY | 6 | Under 10 loans | 0.0% |
| Allen County, KY | 4 | Under 10 loans | 0.0% |
| Edmonson County, KY | 3 | Under 10 loans | 0.0% |
| Grayson County, KY | 3 | Under 10 loans | 0.0% |
| Logan County, KY | 3 | Under 10 loans | 0.0% |
| Barren County, KY | 2 | Under 10 loans | 0.0% |
| Daviess County, KY | 2 | Under 10 loans | 0.0% |
| Williamson County, TN | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 0.0% |
| Breckinridge County, KY | 1 | Under 10 loans | 0.0% |
| Oldham County, KY | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Wilson County, TN | 1 | Under 10 loans | 0.0% |
| Meade County, KY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.