United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, United Citizens Bank & Trust Company of Campbellsburg, KY reported 86 mortgage applications totaling $17.5 million, down 5% from 2022. The average application was for $203,023, and applicants reported an average income of $117,174. 77% of its applications resulted in an originated loan and 12% were denied. Its largest market was Louisville/Jefferson County, KY-IN (71).
| 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 | 86 |
| Total Mortgage Loan Application Amount | $17,460,000 |
| Average Mortgage Loan Application Amount | $203,023 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $117,174 |
| Highest Applicant Income | $515,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 31 | $ 4,305,000 | $ 138,870 | $ 106,000 |
| Jefferson, Kentucky | 21 | $ 5,025,000 | $ 239,285 | $ 180,000 |
| Oldham, Kentucky | 13 | $ 3,695,000 | $ 284,230 | $ 77,000 |
| Carroll, Kentucky | 9 | $ 1,495,000 | $ 166,111 | $ 82,000 |
| Trimble, Kentucky | 5 | $ 655,000 | $ 131,000 | $ 169,000 |
| Shelby, Kentucky | 4 | $ 1,090,000 | $ 272,500 | $ 115,000 |
| Clark, Indiana | 1 | $ 805,000 | $ 805,000 | $ 38,000 |
| Bullitt, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Owen, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2023
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 | 54 | $11,240,000 | $208,000 | $805,000 | $111,000 | $463,000 |
| Refinancing | 21 | $4,995,000 | $237,000 | $655,000 | $158,000 | $515,000 |
| Other Purpose | 6 | $480,000 | $80,000 | $205,000 | $35,000 | $67,000 |
| Home Improvement | 5 | $745,000 | $149,000 | $355,000 | $111,000 | $210,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 50 | $9,410,000 | $188,000 | $805,000 | $108,000 | $515,000 |
| Not applicable | 26 | $6,110,000 | $235,000 | $745,000 | $0 | $0 |
| Hispanic | 6 | $1,570,000 | $261,000 | $535,000 | $137,000 | $282,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $158,000 | $158,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| 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) | 86 | $17,460,000 | $203,000 | $805,000 | $114,000 | $515,000 |
| 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 | 66 | $12,850,000 | $194,000 | $745,000 | $136,000 | $515,000 |
| Application Denied By Financial Institution | 10 | $2,180,000 | $218,000 | $805,000 | $57,000 | $117,000 |
| Application Approved But Not Accepted | 9 | $1,625,000 | $180,000 | $305,000 | $62,000 | $92,000 |
| Application Withdrawn By Applicant | 1 | $805,000 | $805,000 | $805,000 | $38,000 | $38,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 86 | $17,460,000 | $203,000 | $805,000 | $114,000 | $515,000 |
| 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 2023 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About