United Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, United Bank & Trust of Versailles, KY reported 440 mortgage applications totaling $81.0 million, down 22% from 2012. The average application was for $184,090, and applicants reported an average income of $62,959. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lexington-Fayette, KY (278), Louisville/Jefferson County, KY-IN (84) and Elizabethtown, KY (27) (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 | 440 |
| Total Mortgage Loan Application Amount | $81,000,000 |
| Average Mortgage Loan Application Amount | $184,090 |
| Highest Mortgage Loan Application Amount | $5,774,000 |
| Average Applicant Income | $62,959 |
| Highest Applicant Income | $352,000 |
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Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 85 | $ 9,081,000 | $ 106,835 | $ 66,000 |
| Fayette, Kentucky | 81 | $ 21,550,000 | $ 266,049 | $ 46,000 |
| Woodford, Kentucky | 71 | $ 8,203,000 | $ 115,535 | $ 56,000 |
| Bullitt, Kentucky | 45 | $ 6,240,000 | $ 138,666 | $ 75,000 |
| Jessamine, Kentucky | 35 | $ 6,303,000 | $ 180,085 | $ 75,000 |
| Jefferson, Kentucky | 27 | $ 7,492,000 | $ 277,481 | $ 102,000 |
| Hardin, Kentucky | 26 | $ 3,714,000 | $ 142,846 | $ 77,000 |
| Anderson, Kentucky | 8 | $ 872,000 | $ 109,000 | $ 61,000 |
| Mercer, Kentucky | 8 | $ 6,638,000 | $ 829,750 | $ 54,000 |
| Franklin, Kentucky | 6 | $ 1,286,000 | $ 214,333 | $ 78,000 |
| Owen, Kentucky | 6 | $ 324,000 | $ 54,000 | $ 40,000 |
| Madison, Kentucky | 5 | $ 5,483,000 | $ 1,096,600 | $ 12,000 |
| Nelson, Kentucky | 5 | $ 653,000 | $ 130,600 | $ 70,000 |
| Harrison, Kentucky | 4 | $ 187,000 | $ 46,750 | $ 53,000 |
| Spencer, Kentucky | 4 | $ 505,000 | $ 126,250 | $ 44,000 |
| Bourbon, Kentucky | 3 | $ 316,000 | $ 105,333 | $ 23,000 |
| Clark, Kentucky | 3 | $ 196,000 | $ 65,333 | $ 55,000 |
| Garrard, Kentucky | 3 | $ 233,000 | $ 77,666 | $ 39,000 |
| Menifee, Kentucky | 2 | $ 13,000 | $ 6,500 | $ 37,000 |
| Montgomery, Kentucky | 2 | $ 400,000 | $ 200,000 | $ 206,000 |
| Glades, Florida | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Barren, Kentucky | 1 | $ 22,000 | $ 22,000 | $ 113,000 |
| Estill, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Grant, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 9,000 |
| Grayson, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Hart, Kentucky | 1 | $ 268,000 | $ 268,000 | $ 65,000 |
| Henry, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 49,000 |
| Larue, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 33,000 |
| Laurel, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Meade, Kentucky | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Shelby, Kentucky | 1 | $ 191,000 | $ 191,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2013
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 | 239 | $48,963,000 | $204,000 | $5,774,000 | $65,000 | $345,000 |
| Home Purchase | 160 | $31,176,000 | $194,000 | $5,080,000 | $64,000 | $352,000 |
| Home Improvement | 41 | $861,000 | $21,000 | $331,000 | $47,000 | $259,000 |
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 | 360 | $47,639,000 | $132,000 | $1,118,000 | $73,000 | $352,000 |
| Not applicable | 59 | $30,484,000 | $516,000 | $5,774,000 | $0 | $0 |
| Black or African American | 13 | $1,696,000 | $130,000 | $450,000 | $76,000 | $217,000 |
| Hispanic | 5 | $510,000 | $102,000 | $150,000 | $53,000 | $82,000 |
| Asian | 2 | $475,000 | $237,000 | $375,000 | $109,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $196,000 | $196,000 | $196,000 | $25,000 | $25,000 |
| American Indian or Alaskan Native | 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) | 440 | $81,000,000 | $184,000 | $5,774,000 | $63,000 | $352,000 |
| 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 | 371 | $73,636,000 | $198,000 | $5,774,000 | $64,000 | $352,000 |
| Application Approved But Not Accepted | 27 | $3,272,000 | $121,000 | $331,000 | $56,000 | $170,000 |
| Application Withdrawn By Applicant | 23 | $2,579,000 | $112,000 | $293,000 | $67,000 | $188,000 |
| Application Denied By Financial Institution | 19 | $1,513,000 | $79,000 | $194,000 | $41,000 | $127,000 |
| 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 2013 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About