United Bank & Capital Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, United Bank & Capital Trust Company of Frankfort, KY reported 327 mortgage applications totaling $71.2 million, down 45% from 2017. The average application was for $217,629, and applicants reported an average income of $177,639. 72% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (90), Cincinnati, OH-KY-IN (54) and Louisville/Jefferson County, KY-IN (51) (applications in parentheses).
| Mortgage Company & Address | United Bank & Capital Trust Company 125 West Main Street Frankfort, KY 46001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 |
| Total Number of Mortgage Applications | 327 |
| Total Mortgage Loan Application Amount | $71,165,000 |
| Average Mortgage Loan Application Amount | $217,629 |
| Highest Mortgage Loan Application Amount | $7,425,000 |
| Average Applicant Income | $177,639 |
| Highest Applicant Income | $1,001,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank & Capital Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Franklin, Kentucky | 58 | $ 6,800,000 | $ 117,241 | $ 99,000 |
| Fayette, Kentucky | 35 | $ 10,505,000 | $ 300,142 | $ 244,000 |
| Scott, Kentucky | 34 | $ 5,450,000 | $ 160,294 | $ 97,000 |
| Campbell, Kentucky | 31 | $ 11,885,000 | $ 383,387 | $ 100,000 |
| Jefferson, Kentucky | 30 | $ 8,000,000 | $ 266,666 | $ 474,000 |
| Hardin, Kentucky | 27 | $ 3,615,000 | $ 133,888 | $ 393,000 |
| Anderson, Kentucky | 19 | $ 2,735,000 | $ 143,947 | $ 84,000 |
| Bullitt, Kentucky | 12 | $ 2,420,000 | $ 201,666 | $ 121,000 |
| Kenton, Kentucky | 12 | $ 5,610,000 | $ 467,500 | $ 75,000 |
| Jessamine, Kentucky | 11 | $ 1,665,000 | $ 151,363 | $ 173,000 |
| Woodford, Kentucky | 8 | $ 1,160,000 | $ 145,000 | $ 97,000 |
| Shelby, Kentucky | 7 | $ 1,335,000 | $ 190,714 | $ 84,000 |
| Boone, Kentucky | 6 | $ 1,160,000 | $ 193,333 | $ 149,000 |
| Mercer, Kentucky | 5 | $ 845,000 | $ 169,000 | $ 55,000 |
| Nelson, Kentucky | 4 | $ 330,000 | $ 82,500 | $ 33,000 |
| Madison, Kentucky | 3 | $ 465,000 | $ 155,000 | $ 87,000 |
| Owen, Kentucky | 3 | $ 485,000 | $ 161,666 | $ 43,000 |
| Hamilton, Ohio | 3 | $ 1,875,000 | $ 625,000 | $ 146,000 |
| Boyle, Kentucky | 2 | $ 1,380,000 | $ 690,000 | $ 335,000 |
| Harrison, Kentucky | 2 | $ 510,000 | $ 255,000 | $ 87,000 |
| Meade, Kentucky | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Pendleton, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 13,000 |
| Spencer, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 119,000 |
| Bourbon, Kentucky | 1 | $ 1,225,000 | $ 1,225,000 | $ 763,000 |
| Carroll, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Clark, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Daviess, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Edmonson, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Estill, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pulaski, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Warren, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 152,000 |
| Davidson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 244,000 |
Mortgage Loan Application Detail Totals for United Bank & Capital Trust Company in 2018
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 | 164 | $41,810,000 | $254,000 | $7,425,000 | $130,000 | $1,001,000 |
| Refinancing | 112 | $23,380,000 | $208,000 | $2,875,000 | $280,000 | $959,000 |
| Cash-out Refinancing | 33 | $3,875,000 | $117,000 | $375,000 | $77,000 | $240,000 |
| Home Improvement | 13 | $1,865,000 | $143,000 | $805,000 | $194,000 | $1,001,000 |
| Other Purpose | 5 | $235,000 | $47,000 | $85,000 | $69,000 | $152,000 |
| Not Applicable | 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 | 249 | $39,535,000 | $158,000 | $1,225,000 | $180,000 | $1,001,000 |
| Not applicable | 65 | $29,545,000 | $454,000 | $7,425,000 | $0 | $0 |
| Black or African American | 4 | $320,000 | $80,000 | $115,000 | $91,000 | $144,000 |
| Hispanic | 4 | $540,000 | $135,000 | $215,000 | $93,000 | $126,000 |
| Asian | 2 | $900,000 | $450,000 | $675,000 | $331,000 | $370,000 |
| Not Provided | 2 | $130,000 | $65,000 | $75,000 | $28,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $150,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 327 | $71,165,000 | $217,000 | $7,425,000 | $177,000 | $1,001,000 |
| 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 | 234 | $46,810,000 | $200,000 | $2,585,000 | $216,000 | $1,001,000 |
| Application Approved But Not Accepted | 53 | $17,715,000 | $334,000 | $7,425,000 | $120,000 | $1,001,000 |
| Application Denied By Financial Institution | 29 | $2,545,000 | $87,000 | $305,000 | $51,000 | $152,000 |
| Application Withdrawn By Applicant | 11 | $4,095,000 | $372,000 | $2,875,000 | $49,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 298 | $68,620,000 | $230,000 | $7,425,000 | $191,000 | $1,001,000 |
| Credit History | 17 | $1,155,000 | $67,000 | $155,000 | $58,000 | $152,000 |
| Debt-To-Income Ratio | 8 | $1,030,000 | $128,000 | $305,000 | $37,000 | $75,000 |
| Other | 4 | $360,000 | $90,000 | $155,000 | $58,000 | $71,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank & Capital Trust Company's 2018 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 United Bank & Capital 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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