# Morgantown Bank & Trust Company, Incorporated

> **Canonical URL:** https://saferate.com/lenders/morgantown-bank-trust-company-incorporated


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Morgantown Bank & Trust Company, Incorporated is a bank, headquartered in Morgantown, KY, serving borrowers across 2 states, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007ZN3JNCBPMI730
- **Headquarters:** Morgantown, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.799%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $478
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $20 million
- **Applications Received:** 105
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $221,154
- **Average Borrower Income:** $142,374
- **Average Property Value:** $360,714

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 89 | +0.788% | $478 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 62 loans, Score: 49/100 (Sound)
- Refinance: 27 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 64 | $15M | +0.797% | Sound ☺️ |
| Refinance | 52/100 | 27 | $5M | +0.801% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 87 | 0.19% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bowling Green, KY | KY | 72 | 86/100 |
| Non |  | 13 | 30/100 |

## Where This Lender Ranks

Morgantown Bank & Trust Company, Incorporated appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Bowling Green, KY Banks
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks)
- 🏆 **#12** in Bowling Green, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Morgantown Bank & Trust Company, Incorporated offer?

Morgantown Bank & Trust Company, Incorporated offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Morgantown Bank & Trust Company, Incorporated offer mortgages?

Morgantown Bank & Trust Company, Incorporated offers mortgages in 2 states: KY, TN.

### How competitive are Morgantown Bank & Trust Company, Incorporated's mortgage rates?

Morgantown Bank & Trust Company, Incorporated has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.799% above market average.

### What type of lender is Morgantown Bank & Trust Company, Incorporated?

Morgantown Bank & Trust Company, Incorporated is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Morgantown, KY.

### What is Morgantown Bank & Trust Company, Incorporated's loan approval success rate?

Morgantown Bank & Trust Company, Incorporated has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/morgantown-bank-trust-company-incorporated

### How to Cite

> "Morgantown Bank & Trust Company, Incorporated Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/morgantown-bank-trust-company-incorporated

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