United Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, United Bank & Trust of Versailles, KY reported 354 mortgage applications totaling $56.7 million, down 18% from 2010. The average application was for $160,121, and applicants reported an average income of $72,254. 82% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lexington-Fayette, KY (228), Louisville-Jefferson County, KY-IN (56) and Elizabethtown, KY (26) (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 | 354 |
| Total Mortgage Loan Application Amount | $56,683,000 |
| Average Mortgage Loan Application Amount | $160,121 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $72,254 |
| Highest Applicant Income | $512,000 |
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Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Scott, Kentucky | 82 | $ 12,546,000 | $ 153,000 | $ 79,000 |
| Woodford, Kentucky | 77 | $ 11,982,000 | $ 155,610 | $ 58,000 |
| Fayette, Kentucky | 32 | $ 6,304,000 | $ 197,000 | $ 67,000 |
| Jessamine, Kentucky | 31 | $ 4,616,000 | $ 148,903 | $ 64,000 |
| Hardin, Kentucky | 26 | $ 3,230,000 | $ 124,230 | $ 87,000 |
| Bullitt, Kentucky | 25 | $ 3,599,000 | $ 143,960 | $ 86,000 |
| Jefferson, Kentucky | 17 | $ 7,271,000 | $ 427,705 | $ 80,000 |
| Franklin, Kentucky | 16 | $ 1,846,000 | $ 115,375 | $ 91,000 |
| Harrison, Kentucky | 9 | $ 452,000 | $ 50,222 | $ 56,000 |
| Nelson, Kentucky | 6 | $ 800,000 | $ 133,333 | $ 58,000 |
| Anderson, Kentucky | 4 | $ 315,000 | $ 78,750 | $ 96,000 |
| Bourbon, Kentucky | 3 | $ 889,000 | $ 296,333 | $ 107,000 |
| Clark, Kentucky | 3 | $ 241,000 | $ 80,333 | $ 70,000 |
| Oldham, Kentucky | 3 | $ 643,000 | $ 214,333 | $ 58,000 |
| Shelby, Kentucky | 3 | $ 336,000 | $ 112,000 | $ 69,000 |
| Garrard, Kentucky | 2 | $ 16,000 | $ 8,000 | $ 18,000 |
| Madison, Kentucky | 2 | $ 191,000 | $ 95,500 | $ 25,000 |
| Mercer, Kentucky | 2 | $ 224,000 | $ 112,000 | $ 74,000 |
| Montgomery, Kentucky | 2 | $ 151,000 | $ 75,500 | $ 21,000 |
| Spencer, Kentucky | 2 | $ 258,000 | $ 129,000 | $ 69,000 |
| Washington, Kentucky | 2 | $ 132,000 | $ 66,000 | $ 100,000 |
| Johnson, Indiana | 1 | $ 94,000 | $ 94,000 | $ 358,000 |
| Boyle, Kentucky | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Estill, Kentucky | 1 | $ 229,000 | $ 229,000 | $ 145,000 |
| Hart, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 55,000 |
| Owen, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2011
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 | 246 | $47,229,000 | $191,000 | $4,700,000 | $75,000 | $370,000 |
| Home Improvement | 54 | $832,000 | $15,000 | $138,000 | $52,000 | $295,000 |
| Home Purchase | 54 | $8,622,000 | $159,000 | $570,000 | $80,000 | $512,000 |
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 | 309 | $35,965,000 | $116,000 | $570,000 | $80,000 | $512,000 |
| Not applicable | 32 | $19,225,000 | $600,000 | $4,700,000 | $0 | $0 |
| Black or African American | 8 | $676,000 | $84,000 | $209,000 | $56,000 | $241,000 |
| Hispanic | 3 | $257,000 | $85,000 | $140,000 | $100,000 | $184,000 |
| Asian | 2 | $560,000 | $280,000 | $360,000 | $58,000 | $62,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 354 | $56,683,000 | $160,000 | $4,700,000 | $72,000 | $512,000 |
| 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 | 291 | $49,494,000 | $170,000 | $4,700,000 | $75,000 | $512,000 |
| Application Denied By Financial Institution | 40 | $3,832,000 | $95,000 | $387,000 | $54,000 | $119,000 |
| Application Approved But Not Accepted | 12 | $1,443,000 | $120,000 | $570,000 | $77,000 | $247,000 |
| Application Withdrawn By Applicant | 11 | $1,914,000 | $174,000 | $500,000 | $64,000 | $260,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2011 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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