United Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, United Citizens Bank & Trust Company of Campbellsburg, KY reported 103 mortgage applications totaling $29.6 million, up 20% from 2023. The average application was for $287,524, and applicants reported an average income of $133,310. 83% of its applications resulted in an originated loan and 6% were denied. Its largest market was Louisville/Jefferson County, KY-IN (85).
| 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 | 103 |
| Total Mortgage Loan Application Amount | $29,615,000 |
| Average Mortgage Loan Application Amount | $287,524 |
| Highest Mortgage Loan Application Amount | $8,505,000 |
| Average Applicant Income | $133,310 |
| Highest Applicant Income | $588,000 |
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United Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 85 | $ 26,715,000 | $ 314,294 | $ 142,000 |
| Outside any metro area | 18 | $ 2,900,000 | $ 161,111 | $ 105,000 |
Mortgage Loan Application Detail Totals for United Citizens Bank & Trust Company in 2024
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 | 60 | $21,680,000 | $361,000 | $8,505,000 | $157,000 | $588,000 |
| Refinancing | 32 | $7,270,000 | $227,000 | $1,015,000 | $112,000 | $248,000 |
| Home Improvement | 7 | $575,000 | $82,000 | $205,000 | $53,000 | $73,000 |
| Other Purpose | 4 | $90,000 | $22,000 | $35,000 | $89,000 | $105,000 |
| 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 | 55 | $7,495,000 | $136,000 | $415,000 | $112,000 | $490,000 |
| Not applicable | 34 | $18,930,000 | $556,000 | $8,505,000 | $0 | $0 |
| Hispanic | 7 | $1,525,000 | $217,000 | $305,000 | $238,000 | $588,000 |
| Asian | 3 | $1,125,000 | $375,000 | $815,000 | $162,000 | $217,000 |
| Black or African American | 2 | $260,000 | $130,000 | $165,000 | $126,000 | $133,000 |
| Not Provided | 2 | $280,000 | $140,000 | $225,000 | $319,000 | $326,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 103 | $29,615,000 | $287,000 | $8,505,000 | $134,000 | $588,000 |
| 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 | 85 | $26,375,000 | $310,000 | $8,505,000 | $138,000 | $588,000 |
| Application Approved But Not Accepted | 10 | $1,990,000 | $199,000 | $435,000 | $160,000 | $398,000 |
| Application Denied By Financial Institution | 6 | $870,000 | $145,000 | $405,000 | $94,000 | $146,000 |
| Application Withdrawn By Applicant | 2 | $380,000 | $190,000 | $305,000 | $20,000 | $31,000 |
| 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 | 103 | $29,615,000 | $287,000 | $8,505,000 | $134,000 | $588,000 |
| 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 2024 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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