United Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, United Bank & Trust of Versailles, KY reported 563 mortgage applications totaling $81.7 million, up 59% from 2011. The average application was for $145,182, and applicants reported an average income of $72,289. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (321), Louisville/Jefferson County, KY-IN (125) and Elizabethtown, KY (54) (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 | 563 |
| Total Mortgage Loan Application Amount | $81,738,000 |
| Average Mortgage Loan Application Amount | $145,182 |
| Highest Mortgage Loan Application Amount | $6,492,000 |
| Average Applicant Income | $72,289 |
| Highest Applicant Income | $568,000 |
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Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 109 | $ 14,585,000 | $ 133,807 | $ 68,000 |
| Scott, Kentucky | 89 | $ 9,565,000 | $ 107,471 | $ 54,000 |
| Bullitt, Kentucky | 67 | $ 10,636,000 | $ 158,746 | $ 77,000 |
| Fayette, Kentucky | 67 | $ 7,948,000 | $ 118,626 | $ 67,000 |
| Hardin, Kentucky | 53 | $ 7,904,000 | $ 149,132 | $ 86,000 |
| Jessamine, Kentucky | 51 | $ 6,192,000 | $ 121,411 | $ 53,000 |
| Jefferson, Kentucky | 43 | $ 7,275,000 | $ 169,186 | $ 97,000 |
| Franklin, Kentucky | 22 | $ 2,249,000 | $ 102,227 | $ 92,000 |
| Mercer, Kentucky | 13 | $ 8,011,000 | $ 616,230 | $ 66,000 |
| Anderson, Kentucky | 9 | $ 1,095,000 | $ 121,666 | $ 70,000 |
| Garrard, Kentucky | 7 | $ 646,000 | $ 92,285 | $ 40,000 |
| Nelson, Kentucky | 6 | $ 475,000 | $ 79,166 | $ 79,000 |
| Bourbon, Kentucky | 5 | $ 875,000 | $ 175,000 | $ 55,000 |
| Oldham, Kentucky | 4 | $ 1,114,000 | $ 278,500 | $ 164,000 |
| Shelby, Kentucky | 3 | $ 736,000 | $ 245,333 | $ 99,000 |
| Harrison, Kentucky | 2 | $ 197,000 | $ 98,500 | $ 69,000 |
| Lincoln, Kentucky | 2 | $ 35,000 | $ 17,500 | $ 45,000 |
| Madison, Kentucky | 2 | $ 571,000 | $ 285,500 | $ 17,000 |
| Breckinridge, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 173,000 |
| Larue, Kentucky | 1 | $ 92,000 | $ 92,000 | $ 100,000 |
| Marshall, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 23,000 |
| Meade, Kentucky | 1 | $ 148,000 | $ 148,000 | $ 179,000 |
| Owen, Kentucky | 1 | $ 14,000 | $ 14,000 | $ 14,000 |
| Rowan, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 177,000 |
| Spencer, Kentucky | 1 | $ 123,000 | $ 123,000 | $ 93,000 |
| Taylor, Kentucky | 1 | $ 870,000 | $ 870,000 | $ 534,000 |
| Washington, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2012
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 | 418 | $68,852,000 | $164,000 | $6,492,000 | $77,000 | $568,000 |
| Home Purchase | 92 | $11,332,000 | $123,000 | $405,000 | $62,000 | $240,000 |
| Home Improvement | 53 | $1,554,000 | $29,000 | $630,000 | $53,000 | $203,000 |
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 | 493 | $61,835,000 | $125,000 | $417,000 | $76,000 | $568,000 |
| Not applicable | 38 | $15,651,000 | $411,000 | $6,492,000 | $0 | $0 |
| Black or African American | 14 | $1,494,000 | $106,000 | $328,000 | $59,000 | $202,000 |
| Not Provided | 7 | $1,277,000 | $182,000 | $870,000 | $174,000 | $534,000 |
| Hispanic | 5 | $406,000 | $81,000 | $170,000 | $78,000 | $138,000 |
| Asian | 3 | $652,000 | $217,000 | $405,000 | $149,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $374,000 | $187,000 | $204,000 | $54,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $49,000 | $49,000 | $49,000 | $25,000 | $25,000 |
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) | 563 | $81,738,000 | $145,000 | $6,492,000 | $72,000 | $568,000 |
| 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 | 471 | $71,740,000 | $152,000 | $6,492,000 | $73,000 | $568,000 |
| Application Denied By Financial Institution | 50 | $4,845,000 | $96,000 | $870,000 | $58,000 | $534,000 |
| Application Approved But Not Accepted | 23 | $3,371,000 | $146,000 | $353,000 | $86,000 | $227,000 |
| Application Withdrawn By Applicant | 19 | $1,782,000 | $93,000 | $387,000 | $58,000 | $177,000 |
| 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 2012 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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