The Monticello Banking Company
The Monticello Banking Company received 231 applications in 2025 and made 166 mortgages, in 31 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 204 decisions, 38 were denials — 18.6%.
| Legal Entity Identifier | 54930020VWE4K0ME5605 |
|---|---|
| Applications received | 231 |
| Mortgages made | 166 |
| Denied | 38 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Monticello Banking Company, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 108 | Not published | $185,000 | 16.9% |
| Refinancing | 32 | Not published | $175,000 | 5.9% |
| Cash-out refinancing | 23 | Not published | $55,000 | 36.1% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where The Monticello Banking Company lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, KY | 28 | Not published | 22.2% |
| Pulaski County, KY | 19 | Not published | 17.4% |
| Fayette County, KY | 12 | Not published | 0.0% |
| Clinton County, KY | 11 | Not published | 15.4% |
| Laurel County, KY | 10 | Not published | 33.3% |
| Russell County, KY | 10 | Not published | 16.7% |
| Warren County, KY | 10 | Not published | 9.1% |
| Boyle County, KY | 8 | Under 10 loans | 0.0% |
| Harlan County, KY | 8 | Under 10 loans | 50.0% |
| Lincoln County, KY | 6 | Under 10 loans | 25.0% |
| Madison County, KY | 6 | Under 10 loans | 14.3% |
| Scott County, KY | 6 | Under 10 loans | 0.0% |
| Jefferson County, KY | 5 | Under 10 loans | 0.0% |
| Knox County, KY | 5 | Under 10 loans | 0.0% |
| Mercer County, KY | 5 | Under 10 loans | 0.0% |
| Adair County, KY | 3 | Under 10 loans | 40.0% |
| Barren County, KY | 3 | Under 10 loans | 0.0% |
| Clark County, KY | 3 | Under 10 loans | 0.0% |
| Edmonson County, KY | 2 | Under 10 loans | 0.0% |
| Whitley County, KY | 2 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, KY | 1 | Under 10 loans | 0.0% |
| Hart County, KY | 1 | Under 10 loans | 0.0% |
| Jessamine County, KY | 1 | Under 10 loans | 0.0% |
| Casey County, KY | 0 | Under 10 loans | 100.0% |
| Jackson County, KY | 0 | Under 10 loans | 100.0% |
| Letcher County, KY | 0 | Under 10 loans | Not published |
| Logan County, KY | 0 | Under 10 loans | Not published |
| McCreary County, KY | 0 | Under 10 loans | 100.0% |
| Simpson County, KY | 0 | Under 10 loans | Not published |
| Horry County, SC | 0 | Under 10 loans | Not published |
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When The Monticello Banking Company’s figures are published for the next year, or restated.
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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.