United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, United Citizens Bank & Trust Company of Campbellsburg, KY reported 80 mortgage applications totaling $9.7 million, down 5% from 2015. The average application was for $121,050, and applicants reported an average income of $73,737. 50% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (67) and Cincinnati, OH-KY-IN (2).
| 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 | $9,684,000 |
| Average Mortgage Loan Application Amount | $121,050 |
| Highest Mortgage Loan Application Amount | $656,000 |
| Average Applicant Income | $73,737 |
| Highest Applicant Income | $761,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jefferson, Kentucky | 32 | $ 5,195,000 | $ 162,343 | $ 72,000 |
| Henry, Kentucky | 19 | $ 1,358,000 | $ 71,473 | $ 63,000 |
| Carroll, Kentucky | 6 | $ 333,000 | $ 55,500 | $ 77,000 |
| Trimble, Kentucky | 6 | $ 326,000 | $ 54,333 | $ 53,000 |
| Shelby, Kentucky | 5 | $ 1,158,000 | $ 231,600 | $ 126,000 |
| Oldham, Kentucky | 4 | $ 746,000 | $ 186,500 | $ 163,000 |
| Franklin, Kentucky | 3 | $ 209,000 | $ 69,666 | $ 27,000 |
| Gallatin, Kentucky | 2 | $ 104,000 | $ 52,000 | $ 48,000 |
| Owen, Kentucky | 2 | $ 165,000 | $ 82,500 | $ 71,000 |
| Clark, Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2016
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 | 43 | $5,613,000 | $130,000 | $656,000 | $73,000 | $761,000 |
| Refinancing | 27 | $3,774,000 | $139,000 | $525,000 | $80,000 | $311,000 |
| Home Improvement | 10 | $297,000 | $29,000 | $140,000 | $60,000 | $153,000 |
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 | 57 | $5,255,000 | $92,000 | $346,000 | $97,000 | $761,000 |
| Not applicable | 17 | $3,563,000 | $209,000 | $656,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $395,000 | $131,000 | $180,000 | $54,000 | $54,000 |
| Black or African American | 2 | $272,000 | $136,000 | $222,000 | $55,000 | $58,000 |
| Hispanic | 1 | $199,000 | $199,000 | $199,000 | $129,000 | $129,000 |
| Native Hawaiin or Other Pacific Islander | 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 | $9,684,000 | $121,000 | $656,000 | $74,000 | $761,000 |
| 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 | 40 | $4,961,000 | $124,000 | $656,000 | $73,000 | $761,000 |
| Application Denied By Financial Institution | 21 | $2,089,000 | $99,000 | $291,000 | $64,000 | $190,000 |
| Application Approved But Not Accepted | 15 | $1,912,000 | $127,000 | $333,000 | $92,000 | $260,000 |
| Application Withdrawn By Applicant | 4 | $722,000 | $180,000 | $346,000 | $61,000 | $121,000 |
| 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 2016 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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