United Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, United Bank & Trust of Versailles, KY reported 261 mortgage applications totaling $45.8 million, up 2% from 2014. The average application was for $175,314, and applicants reported an average income of $81,574. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lexington-Fayette, KY (170), Louisville/Jefferson County, KY-IN (47) and Elizabethtown-Fort Knox, KY (9) (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 | 261 |
| Total Mortgage Loan Application Amount | $45,757,000 |
| Average Mortgage Loan Application Amount | $175,314 |
| Highest Mortgage Loan Application Amount | $4,048,000 |
| Average Applicant Income | $81,574 |
| Highest Applicant Income | $1,000,000 |
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Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 68 | $ 6,872,000 | $ 101,058 | $ 65,000 |
| Fayette, Kentucky | 42 | $ 15,434,000 | $ 367,476 | $ 93,000 |
| Woodford, Kentucky | 42 | $ 6,165,000 | $ 146,785 | $ 72,000 |
| Bullitt, Kentucky | 22 | $ 3,995,000 | $ 181,590 | $ 83,000 |
| Jefferson, Kentucky | 21 | $ 3,842,000 | $ 182,952 | $ 89,000 |
| Jessamine, Kentucky | 13 | $ 1,843,000 | $ 141,769 | $ 107,000 |
| Hardin, Kentucky | 9 | $ 1,055,000 | $ 117,222 | $ 67,000 |
| Franklin, Kentucky | 7 | $ 918,000 | $ 131,142 | $ 59,000 |
| Harrison, Kentucky | 6 | $ 381,000 | $ 63,500 | $ 60,000 |
| Anderson, Kentucky | 4 | $ 408,000 | $ 102,000 | $ 46,000 |
| Madison, Kentucky | 4 | $ 1,830,000 | $ 457,500 | $ 192,000 |
| Bourbon, Kentucky | 3 | $ 326,000 | $ 108,666 | $ 62,000 |
| Spencer, Kentucky | 3 | $ 806,000 | $ 268,666 | $ 194,000 |
| Clark, Kentucky | 2 | $ 186,000 | $ 93,000 | $ 40,000 |
| Mercer, Kentucky | 2 | $ 238,000 | $ 119,000 | $ 64,000 |
| Owen, Kentucky | 2 | $ 44,000 | $ 22,000 | $ 22,000 |
| Collier, Florida | 1 | $ 5,000 | $ 5,000 | $ 14,000 |
| Boyle, Kentucky | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Breckinridge, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 227,000 |
| Campbell, Kentucky | 1 | $ 11,000 | $ 11,000 | $ 39,000 |
| Edmonson, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 138,000 |
| Garrard, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 55,000 |
| Grayson, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 126,000 |
| Nelson, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 96,000 |
| Pulaski, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Shelby, Kentucky | 1 | $ 384,000 | $ 384,000 | $ 216,000 |
| Hamilton, Ohio | 1 | $ 300,000 | $ 300,000 | $ 423,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2015
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 | 118 | $26,877,000 | $227,000 | $4,048,000 | $91,000 | $1,000,000 |
| Refinancing | 112 | $18,420,000 | $164,000 | $1,375,000 | $79,000 | $564,000 |
| Home Improvement | 31 | $460,000 | $14,000 | $190,000 | $55,000 | $145,000 |
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 | 224 | $29,582,000 | $132,000 | $775,000 | $88,000 | $1,000,000 |
| Not applicable | 26 | $14,325,000 | $550,000 | $4,048,000 | $0 | $0 |
| Black or African American | 4 | $610,000 | $152,000 | $300,000 | $163,000 | $423,000 |
| Hispanic | 4 | $162,000 | $40,000 | $84,000 | $46,000 | $64,000 |
| Asian | 3 | $1,078,000 | $359,000 | $830,000 | $219,000 | $564,000 |
| 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) | 261 | $45,757,000 | $175,000 | $4,048,000 | $82,000 | $1,000,000 |
| 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 | 207 | $38,416,000 | $185,000 | $4,048,000 | $81,000 | $1,000,000 |
| Application Approved But Not Accepted | 25 | $4,371,000 | $174,000 | $712,000 | $101,000 | $382,000 |
| Application Denied By Financial Institution | 19 | $2,167,000 | $114,000 | $775,000 | $63,000 | $306,000 |
| Application Withdrawn By Applicant | 10 | $803,000 | $80,000 | $201,000 | $78,000 | $141,000 |
| 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 2015 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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