United Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, United Bank & Trust of Versailles, KY reported 637 mortgage applications totaling $81.9 million, up 108% from 2008. The average application was for $128,558, and applicants reported an average income of $64,243. 97% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Lexington-Fayette, KY (523), Louisville-Jefferson County, KY-IN (12) and Birmingham-Hoover, AL (1) (applications in parentheses).
| Mortgage Company & Address | United Bank & Trust 100 United Bank Drive Versailles, KY 40383 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 637 |
| Total Mortgage Loan Application Amount | $81,892,000 |
| Average Mortgage Loan Application Amount | $128,558 |
| Highest Mortgage Loan Application Amount | $1,560,000 |
| Average Applicant Income | $64,243 |
| Highest Applicant Income | $698,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Woodford, Kentucky | 169 | $ 20,750,000 | $ 122,781 | $ 75,000 |
| Scott, Kentucky | 155 | $ 17,436,000 | $ 112,490 | $ 61,000 |
| Fayette, Kentucky | 110 | $ 17,320,000 | $ 157,454 | $ 52,000 |
| Jessamine, Kentucky | 82 | $ 11,166,000 | $ 136,170 | $ 65,000 |
| Franklin, Kentucky | 27 | $ 3,086,000 | $ 114,296 | $ 71,000 |
| Anderson, Kentucky | 17 | $ 1,831,000 | $ 107,705 | $ 86,000 |
| Mercer, Kentucky | 10 | $ 1,459,000 | $ 145,900 | $ 58,000 |
| Garrard, Kentucky | 8 | $ 500,000 | $ 62,500 | $ 14,000 |
| Harrison, Kentucky | 7 | $ 194,000 | $ 27,714 | $ 40,000 |
| Jefferson, Kentucky | 6 | $ 1,133,000 | $ 188,833 | $ 86,000 |
| Boyle, Kentucky | 5 | $ 1,081,000 | $ 216,200 | $ 10,000 |
| Bourbon, Kentucky | 4 | $ 601,000 | $ 150,250 | $ 49,000 |
| Madison, Kentucky | 4 | $ 853,000 | $ 213,250 | $ 58,000 |
| Shelby, Kentucky | 4 | $ 134,000 | $ 33,500 | $ 52,000 |
| Washington, Kentucky | 4 | $ 270,000 | $ 67,500 | $ 31,000 |
| Clark, Kentucky | 3 | $ 391,000 | $ 130,333 | $ 98,000 |
| Floyd, Kentucky | 3 | $ 718,000 | $ 239,333 | $ 180,000 |
| Laurel, Kentucky | 3 | $ 155,000 | $ 51,666 | $ 8,000 |
| Rowan, Kentucky | 3 | $ 474,000 | $ 158,000 | $ 48,000 |
| Jefferson, Alabama | 1 | $ 12,000 | $ 12,000 | $ 194,000 |
| Glades, Florida | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Marion, Florida | 1 | $ 6,000 | $ 6,000 | $ 25,000 |
| Bell, Kentucky | 1 | $ 246,000 | $ 246,000 | $ 149,000 |
| Boone, Kentucky | 1 | $ 1,000,000 | $ 1,000,000 | $ 358,000 |
| Bullitt, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 67,000 |
| Hardin, Kentucky | 1 | $ 99,000 | $ 99,000 | $ 93,000 |
| Lincoln, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Montgomery, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Nelson, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 47,000 |
| Nicholas, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Owen, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 56,000 |
| Sevier, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 429 | $60,265,000 | $140,000 | $1,560,000 | $67,000 | $698,000 |
| Home Purchase | 124 | $19,973,000 | $161,000 | $1,000,000 | $63,000 | $420,000 |
| Home Improvement | 84 | $1,654,000 | $19,000 | $199,000 | $52,000 | $239,000 |
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 | 471 | $53,948,000 | $114,000 | $1,000,000 | $80,000 | $698,000 |
| Not applicable | 132 | $24,003,000 | $181,000 | $1,560,000 | $0 | $0 |
| Black or African American | 23 | $2,058,000 | $89,000 | $765,000 | $66,000 | $336,000 |
| Not Provided | 7 | $562,000 | $80,000 | $209,000 | $88,000 | $339,000 |
| Hispanic | 2 | $301,000 | $150,000 | $220,000 | $226,000 | $247,000 |
| Asian | 2 | $1,020,000 | $510,000 | $1,000,000 | $308,000 | $358,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 637 | $81,892,000 | $128,000 | $1,560,000 | $64,000 | $698,000 |
| 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 | 619 | $79,133,000 | $127,000 | $1,560,000 | $65,000 | $698,000 |
| Application Denied By Financial Institution | 9 | $1,258,000 | $139,000 | $380,000 | $52,000 | $140,000 |
| Application Withdrawn By Applicant | 9 | $1,501,000 | $166,000 | $414,000 | $67,000 | $190,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank & Trust's 2009 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 & Trust'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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