United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, United Citizens Bank & Trust Company of Campbellsburg, KY reported 80 mortgage applications totaling $2.6 million, down 10% from 2004. The average application was for $31,912, and applicants reported an average income of $46,412. 92% of its applications resulted in an originated loan and 5% were denied. Its largest market was Louisville, KY-IN (66).
| Mortgage Company & Address | United Citizens Bank & Trust Company P O Box 250 Campbellsburg, KY 40011 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 80 |
| Total Mortgage Loan Application Amount | $2,553,000 |
| Average Mortgage Loan Application Amount | $31,912 |
| Highest Mortgage Loan Application Amount | $196,000 |
| Average Applicant Income | $46,412 |
| Highest Applicant Income | $168,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Henry, Kentucky | 44 | $ 1,159,000 | $ 26,340 | $ 40,000 |
| Trimble, Kentucky | 12 | $ 284,000 | $ 23,666 | $ 36,000 |
| Carroll, Kentucky | 9 | $ 259,000 | $ 28,777 | $ 60,000 |
| Oldham, Kentucky | 7 | $ 453,000 | $ 64,714 | $ 36,000 |
| Jefferson, Kentucky | 2 | $ 226,000 | $ 113,000 | $ 91,000 |
| Kenton, Kentucky | 2 | $ 61,000 | $ 30,500 | $ 114,000 |
| Jefferson, Indiana | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Franklin, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 4,000 |
| Owen, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 36,000 |
| Shelby, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2005
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 Improvement | 35 | $444,000 | $8,500 | $68,000 | $38,500 | $117,000 |
| Home Purchase | 24 | $1,160,000 | $48,000 | $196,000 | $61,000 | $168,000 |
| Refinancing | 21 | $949,000 | $45,000 | $195,000 | $39,000 | $103,000 |
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 | 74 | $2,446,000 | $19,000 | $196,000 | $42,500 | $156,000 |
| Not applicable | 4 | $99,000 | $24,000 | $38,000 | $57,000 | $168,000 |
| Black or African American | 2 | $8,000 | $4,000 | $4,000 | $43,000 | $47,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 80 | $2,553,000 | $18,500 | $196,000 | $43,000 | $168,000 |
| 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 | 74 | $2,342,000 | $18,500 | $196,000 | $45,500 | $168,000 |
| Application Denied By Financial Institution | 4 | $135,000 | $33,000 | $80,000 | $41,000 | $75,000 |
| Application Withdrawn By Applicant | 2 | $76,000 | $38,000 | $62,000 | $7,000 | $15,000 |
| 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 Citizens Bank & Trust Company's 2005 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 Citizens Bank & Trust Company'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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