United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, United Citizens Bank & Trust Company of Campbellsburg, KY reported 88 mortgage applications totaling $6.2 million, up 33% from 2010. The average application was for $70,375, and applicants reported an average income of $76,829. 69% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (72) and Cincinnati-Middletown, OH-KY-IN (1).
| 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 | 88 |
| Total Mortgage Loan Application Amount | $6,193,000 |
| Average Mortgage Loan Application Amount | $70,375 |
| Highest Mortgage Loan Application Amount | $307,000 |
| Average Applicant Income | $76,829 |
| Highest Applicant Income | $1,600,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 36 | $ 1,756,000 | $ 48,777 | $ 59,000 |
| Jefferson, Kentucky | 20 | $ 2,233,000 | $ 111,650 | $ 161,000 |
| Carroll, Kentucky | 12 | $ 519,000 | $ 43,250 | $ 45,000 |
| Oldham, Kentucky | 7 | $ 620,000 | $ 88,571 | $ 34,000 |
| Shelby, Kentucky | 4 | $ 455,000 | $ 113,750 | $ 56,000 |
| Trimble, Kentucky | 3 | $ 192,000 | $ 64,000 | $ 41,000 |
| Bullitt, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 74,000 |
| Owen, Kentucky | 2 | $ 189,000 | $ 94,500 | $ 50,000 |
| Franklin, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Kenton, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 38 | $3,344,000 | $88,000 | $307,000 | $97,000 | $1,600,000 |
| Refinancing | 35 | $2,519,000 | $71,000 | $225,000 | $66,000 | $212,000 |
| Home Improvement | 15 | $330,000 | $22,000 | $129,000 | $51,000 | $138,000 |
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 | 69 | $4,094,000 | $59,000 | $307,000 | $96,000 | $1,600,000 |
| Not applicable | 15 | $1,808,000 | $120,000 | $258,000 | $0 | $0 |
| Asian | 3 | $223,000 | $74,000 | $203,000 | $37,000 | $60,000 |
| Hispanic | 1 | $68,000 | $68,000 | $68,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 88 | $6,193,000 | $70,000 | $307,000 | $77,000 | $1,600,000 |
| 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 | 61 | $3,583,000 | $58,000 | $201,000 | $91,000 | $1,600,000 |
| Application Denied By Financial Institution | 12 | $565,000 | $47,000 | $88,000 | $36,000 | $58,000 |
| Application Withdrawn By Applicant | 10 | $1,659,000 | $165,000 | $307,000 | $68,000 | $212,000 |
| Application Approved But Not Accepted | 5 | $386,000 | $77,000 | $200,000 | $25,000 | $44,000 |
| 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 Citizens Bank & Trust Company'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 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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