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MBT

Morgantown Bank & Trust Company

BankMorgantown, KYHQDirectReviews near you on Google

Morgantown Bank & Trust Company has 91 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Exceptional
5/5
Regional · 1 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 80 basis points above market average

Explore another lender or local market

Report Card

Morgantown Bank & Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+79.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Exceptional
Volume89
Mix97.8%
Spread
+0.788%Above
Fees
$478Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume64
Mix70.3%
Spread
+0.797%Above
Fees
$473Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Exceptional
Volume27
Mix29.7%
Spread
+0.801%Above
Fees
$490Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
91
Applications
105
Volume
$20 million
Pricing & Closing
Avg Rate Spread
+0.799%
vs. market APOR
Avg Net Fees
$478
Origination − Credits
Pullthrough Rate
86.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$221,154
Avg Borrower Income
$142,374
Avg Property Value
$360,714

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
KYTN

Top Metro Areas by Place Specialization Score

Volume 72Mix 79.12% of portfolio
86/100
Exceptional

Top States by Place Specialization Score

Kentucky
Kentucky
1
KentuckyState
Volume 87Mix 95.60% of portfolio
72/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.