United Citizens Bank & Trust Company Mortgage Rates, Fees & Info

Campbellsburg, KY

LEI: 549300MIICHJBUDK6R97

Tax ID: 61-0888526

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    United Citizens Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. United Citizens Bank & Trust Company has a high proportion of conventional loans. Their top two markets are Louisville and Madison .

    United Citizens Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    85

    Origination Dollar Volume (All Markets)

    $26,375,000

    Top Markets

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    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE, KY (FHA|USDA|VA) 70 $23,670,000 $338,143 $0 0.00%
    Outside of Metro Areas 14 $2,570,000 $183,571 $0 0.00%
    Madison, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    United Citizens Bank & Trust Company's top markets include Louisville and Madison among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 85 $26,375,000 $310,294 $0 0.00%

    For 2024, United Citizens Bank & Trust Company's most frequently originated type of loan was Conventional, with 85 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 52 $20,220,000 $388,846 $0 0.00%
    Refi 24 $5,570,000 $232,083 $0 0.00%
    Home Improvement 6 $520,000 $86,667 $0 0.00%
    Other 3 $65,000 $21,667 $0 0.00%

    For 2024, United Citizens Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 52 originations. The 2nd most popular reason was Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 85 $26,375,000 $310,294 $0 0.00%

    For 2024, United Citizens Bank & Trust Company's most frequently cited loan duration was Other, with 85 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 33 $4,765,000 $144,394 $0 0.00%
    $100,000 or less 24 $1,200,000 $50,000 $0 0.00%
    $200k-400k 18 $4,930,000 $273,889 $0 0.00%
    $400k-600k 5 $2,335,000 $467,000 $0 0.00%
    $1MM+ 3 $11,525,000 $3,841,667 $0 0.00%
    $600k-1MM 2 $1,620,000 $810,000 $0 0.00%

    2024 saw United Citizens Bank & Trust Company place emphasis on $100k-200k loans with 33 originations, totaling $4,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 16 $2,570,000 $160,625 $0 0.00%
    $50k-75k 11 $1,595,000 $145,000 $0 0.00%
    $50k or less 10 $860,000 $86,000 $0 0.00%
    $250k+ 7 $1,115,000 $159,286 $0 0.00%
    $75k-100k 5 $255,000 $51,000 $0 0.00%
    $150k-250k 4 $1,610,000 $402,500 $0 0.00%

    United Citizens Bank & Trust Company lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $50k-75k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 85 $26,375,000 $310,294 $0 0.00%

    United Citizens Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 85 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 32 $18,370,000 $574,063 $0 0.00%
    White 46 $6,240,000 $135,652 $0 0.00%
    Other Asian 2 $920,000 $460,000 $0 0.00%
    Not provided 3 $585,000 $195,000 $0 0.00%
    Black 2 $260,000 $130,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.17%

    United Citizens Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.88%

    United Citizens Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 85 $26,375,000 $310,294

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    85 $26,375,000 $310,294