United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, United Citizens Bank & Trust Company of Campbellsburg, KY reported 58 mortgage applications totaling $6.3 million, down 22% from 2017. The average application was for $107,931, and applicants reported an average income of $125,258. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (47), Elizabethtown-Fort Knox, KY (1) and Lexington-Fayette, KY (1) (applications in parentheses).
| 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 | 58 |
| Total Mortgage Loan Application Amount | $6,260,000 |
| Average Mortgage Loan Application Amount | $107,931 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $125,258 |
| Highest Applicant Income | $1,568,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 24 | $ 1,900,000 | $ 79,166 | $ 139,000 |
| Jefferson, Kentucky | 14 | $ 2,030,000 | $ 145,000 | $ 140,000 |
| Carroll, Kentucky | 7 | $ 615,000 | $ 87,857 | $ 69,000 |
| Trimble, Kentucky | 4 | $ 190,000 | $ 47,500 | $ 112,000 |
| Oldham, Kentucky | 3 | $ 395,000 | $ 131,666 | $ 121,000 |
| Owen, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 58,000 |
| Hardin, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Scott, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Shelby, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Spencer, Kentucky | 1 | $ 605,000 | $ 605,000 | $ 433,000 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2018
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 | 28 | $3,830,000 | $136,000 | $765,000 | $141,000 | $433,000 |
| Cash-out Refinancing | 21 | $1,535,000 | $73,000 | $135,000 | $62,000 | $123,000 |
| Home Improvement | 5 | $495,000 | $99,000 | $405,000 | $345,000 | $1,568,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $45,000 | $53,000 | $55,000 |
| Refinancing | 2 | $320,000 | $160,000 | $265,000 | $92,000 | $108,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 45 | $4,255,000 | $94,000 | $605,000 | $134,000 | $1,568,000 |
| Not applicable | 8 | $1,560,000 | $195,000 | $765,000 | $0 | $0 |
| Black or African American | 3 | $125,000 | $41,000 | $55,000 | $79,000 | $98,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 58 | $6,260,000 | $107,000 | $765,000 | $128,000 | $1,568,000 |
| 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 | 43 | $4,865,000 | $113,000 | $765,000 | $143,000 | $1,568,000 |
| Application Denied By Financial Institution | 8 | $640,000 | $80,000 | $155,000 | $53,000 | $94,000 |
| Application Approved But Not Accepted | 6 | $700,000 | $116,000 | $295,000 | $141,000 | $372,000 |
| Application Withdrawn By Applicant | 1 | $55,000 | $55,000 | $55,000 | $108,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 50 | $5,620,000 | $112,000 | $765,000 | $142,000 | $1,568,000 |
| Credit History | 4 | $370,000 | $92,000 | $155,000 | $67,000 | $94,000 |
| Debt-To-Income Ratio | 4 | $270,000 | $67,000 | $95,000 | $39,000 | $49,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Citizens Bank & Trust Company's 2018 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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