United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, United Citizens Bank & Trust Company of Campbellsburg, KY reported 91 mortgage applications totaling $21.4 million, up 5% from 2021. The average application was for $234,670, and applicants reported an average income of $131,901. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (67) and North Port-Sarasota-Bradenton, FL (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 | 91 |
| Total Mortgage Loan Application Amount | $21,355,000 |
| Average Mortgage Loan Application Amount | $234,670 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $131,901 |
| Highest Applicant Income | $1,300,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 33 | $ 12,795,000 | $ 387,727 | $ 203,000 |
| Henry, Kentucky | 20 | $ 1,980,000 | $ 99,000 | $ 107,000 |
| Carroll, Kentucky | 13 | $ 2,035,000 | $ 156,538 | $ 98,000 |
| Oldham, Kentucky | 7 | $ 1,445,000 | $ 206,428 | $ 299,000 |
| Trimble, Kentucky | 6 | $ 460,000 | $ 76,666 | $ 50,000 |
| Floyd, Indiana | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Owen, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Shelby, Kentucky | 2 | $ 320,000 | $ 160,000 | $ 109,000 |
| Spencer, Kentucky | 2 | $ 1,290,000 | $ 645,000 | $ 0 |
| Sarasota, Florida | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Adair, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 245,000 |
| Anderson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Bullitt, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2022
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 | 48 | $11,260,000 | $234,000 | $1,995,000 | $157,000 | $1,300,000 |
| Cash-out Refinancing | 29 | $8,045,000 | $277,000 | $1,485,000 | $101,000 | $462,000 |
| Other Purpose | 5 | $675,000 | $135,000 | $225,000 | $57,000 | $69,000 |
| Refinancing | 5 | $745,000 | $149,000 | $305,000 | $153,000 | $324,000 |
| Home Improvement | 4 | $630,000 | $157,000 | $185,000 | $122,000 | $122,000 |
| 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 | $7,565,000 | $168,000 | $1,995,000 | $123,000 | $464,000 |
| Not applicable | 38 | $12,750,000 | $335,000 | $1,485,000 | $0 | $0 |
| Hispanic | 3 | $465,000 | $155,000 | $255,000 | $476,000 | $1,300,000 |
| Asian | 2 | $350,000 | $175,000 | $305,000 | $130,000 | $152,000 |
| Black or African American | 2 | $180,000 | $90,000 | $105,000 | $55,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 91 | $21,355,000 | $234,000 | $1,995,000 | $140,000 | $1,300,000 |
| 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 | 75 | $16,535,000 | $220,000 | $1,485,000 | $148,000 | $1,300,000 |
| Application Approved But Not Accepted | 8 | $3,280,000 | $410,000 | $1,995,000 | $134,000 | $464,000 |
| Application Denied By Financial Institution | 7 | $1,445,000 | $206,000 | $805,000 | $81,000 | $129,000 |
| Application Withdrawn By Applicant | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 91 | $21,355,000 | $234,000 | $1,995,000 | $140,000 | $1,300,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Citizens Bank & Trust Company's 2022 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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