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

Campbellsburg, KY

LEI: 549300MIICHJBUDK6R97

Tax ID: 61-0888526

Latest/2023 | 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
  • Complaints
  • 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 Cash Out Refi loans. United Citizens Bank & Trust Company has a high proportion of conventional loans. Their top two markets are Louisville and Frankfort .

    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.

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    Originations

    75

    Origination Dollar Volume (All Markets)

    $16,535,000

    Top Markets

    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) 54 $14,160,000 $262,222 $0 0.00%
    Outside of Metro Areas 20 $2,270,000 $113,500 $0 0.00%
    Frankfort, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    United Citizens Bank & Trust Company's top markets include Louisville and Frankfort 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 75 $16,535,000 $220,467 $0 0.00%

    For 2022, United Citizens Bank & Trust Company's most frequently originated type of loan was Conventional, with 75 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $7,090,000 $186,579 $0 0.00%
    Cash Out Refi 26 $7,690,000 $295,769 $0 0.00%
    Home Improvement 4 $630,000 $157,500 $0 0.00%
    Other 4 $610,000 $152,500 $0 0.00%
    Refi 3 $515,000 $171,667 $0 0.00%

    For 2022, United Citizens Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Cash Out Refi, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 75 $16,535,000 $220,467 $0 0.00%

    For 2022, United Citizens Bank & Trust Company's most frequently cited loan duration was Other, with 75 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 27 $3,795,000 $140,556 $0 0.00%
    $100,000 or less 22 $1,260,000 $57,273 $0 0.00%
    $200k-400k 17 $4,285,000 $252,059 $0 0.00%
    $400k-600k 4 $1,850,000 $462,500 $0 0.00%
    $1MM+ 3 $3,935,000 $1,311,667 $0 0.00%
    $600k-1MM 2 $1,410,000 $705,000 $0 0.00%

    2022 saw United Citizens Bank & Trust Company place emphasis on $100k-200k loans with 27 originations, totaling $3,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 15 $1,395,000 $93,000 $0 0.00%
    $150k-250k 7 $915,000 $130,714 $0 0.00%
    $100k-150k 6 $820,000 $136,667 $0 0.00%
    $75k-100k 6 $820,000 $136,667 $0 0.00%
    $250k+ 5 $1,195,000 $239,000 $0 0.00%
    $50k or less 4 $290,000 $72,500 $0 0.00%

    United Citizens Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 15 originations. The second most popular income band? $150k-250k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 75 $16,535,000 $220,467 $0 0.00%

    United Citizens Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 75 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 32 $11,100,000 $346,875 $0 0.00%
    White 39 $4,935,000 $126,538 $0 0.00%
    Asian 2 $350,000 $175,000 $0 0.00%
    Black 1 $105,000 $105,000 $0 0.00%
    Other Asian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.31%

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

    Pick Rate

    Approvals leading to origination
    88.00%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 75 $16,535,000 $220,467

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    75 $16,535,000 $220,467

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Closing on a mortgage 1 100.0%