First United Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, First United Bank & Trust Company of Madisonville, KY reported 292 mortgage applications totaling $47.3 million. The average application was for $161,815, and applicants reported an average income of $139,777. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Owensboro, KY (62), Evansville, IN-KY (12) and Panama City, FL (5) (applications in parentheses).
| Mortgage Company & Address | First United Bank & Trust Company 162 N Main St Madisonville, KY 42431 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 292 |
| Total Mortgage Loan Application Amount | $47,250,000 |
| Average Mortgage Loan Application Amount | $161,815 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $139,777 |
| Highest Applicant Income | $2,470,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First United Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hopkins, Kentucky | 138 | $ 16,930,000 | $ 122,681 | $ 129,000 |
| Daviess, Kentucky | 59 | $ 11,005,000 | $ 186,525 | $ 99,000 |
| Ohio, Kentucky | 33 | $ 3,755,000 | $ 113,787 | $ 136,000 |
| Henderson, Kentucky | 10 | $ 2,410,000 | $ 241,000 | $ 147,000 |
| Crittenden, Kentucky | 6 | $ 1,050,000 | $ 175,000 | $ 62,000 |
| Bay, Florida | 5 | $ 1,655,000 | $ 331,000 | $ 339,000 |
| Muhlenberg, Kentucky | 5 | $ 325,000 | $ 65,000 | $ 63,000 |
| Lyon, Kentucky | 4 | $ 420,000 | $ 105,000 | $ 125,000 |
| McLean, Kentucky | 3 | $ 475,000 | $ 158,333 | $ 71,000 |
| Union, Kentucky | 3 | $ 275,000 | $ 91,666 | $ 857,000 |
| Warren, Kentucky | 3 | $ 1,005,000 | $ 335,000 | $ 166,000 |
| Webster, Kentucky | 3 | $ 795,000 | $ 265,000 | $ 190,000 |
| Okaloosa, Florida | 2 | $ 750,000 | $ 375,000 | $ 265,000 |
| Osceola, Florida | 2 | $ 1,730,000 | $ 865,000 | $ 0 |
| Warrick, Indiana | 2 | $ 890,000 | $ 445,000 | $ 286,000 |
| Caldwell, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Christian, Kentucky | 2 | $ 520,000 | $ 260,000 | $ 172,000 |
| Baldwin, Alabama | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Volusia, Florida | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Walton, Florida | 1 | $ 585,000 | $ 585,000 | $ 278,000 |
| Adair, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 139,000 |
| Fayette, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Livingston, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Marion, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| McCracken, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Todd, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Davidson, Tennessee | 1 | $ 505,000 | $ 505,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for First United Bank & Trust Company in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 167 | $30,665,000 | $183,000 | $1,645,000 | $144,000 | $1,324,000 |
| Refinancing | 118 | $16,240,000 | $137,000 | $735,000 | $131,000 | $2,470,000 |
| Home Improvement | 7 | $345,000 | $49,000 | $105,000 | $187,000 | $579,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 195 | $26,965,000 | $138,000 | $1,645,000 | $142,000 | $2,470,000 |
| Not applicable | 81 | $17,555,000 | $216,000 | $1,295,000 | $0 | $0 |
| Black or African American | 4 | $590,000 | $147,000 | $295,000 | $98,000 | $177,000 |
| Hispanic | 3 | $265,000 | $88,000 | $105,000 | $72,000 | $115,000 |
| Asian | 3 | $965,000 | $321,000 | $685,000 | $257,000 | $397,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
| Not Provided | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 292 | $47,250,000 | $161,000 | $1,645,000 | $140,000 | $2,470,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 272 | $45,500,000 | $167,000 | $1,645,000 | $136,000 | $1,324,000 |
| Application Withdrawn By Applicant | 10 | $1,010,000 | $101,000 | $235,000 | $45,000 | $68,000 |
| Application Denied By Financial Institution | 9 | $695,000 | $77,000 | $185,000 | $349,000 | $2,470,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 292 | $47,250,000 | $161,000 | $1,645,000 | $140,000 | $2,470,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First United Bank & Trust Company's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First United Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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