Applications / Mortgage Analytics / Lenders / Kentucky / United Citizens Bank & Trust Company
Campbellsburg, KY · State non-member bank · FDIC · $220 million assets · 70 loans in 2025
United Citizens Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
70
loans originated, 2025
90
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Citizens Bank & Trust Company makes half its loans in low- and moderate-income neighborhoods, a far larger share than similar banks.
It made 51.4% of its loans in low- and moderate-income neighborhoods, against 18.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them. In 2020 the share was 33.3%. Low- and moderate-income borrowers took 33.3%, against 27.3%.
Manufactured homes made up 11.4% of its loans, against 2.6% at similar lenders. Purchases were 55.7% of its lending, and every loan was conventional. Its typical loan was $150,000, below the $175,000 at similar lenders.
Its loans fell 18%, from 85 to 70, while similar lenders grew 9%. But 2024 was its busiest year since at least 2018, and 70 matches its 2021 count. A single strong year may simply have been hard to repeat.
It ranked 130 of 510 lenders in Louisville, where it has lent since its first report in 2004, and 248 of 537 in non-metro Kentucky. United Wholesale Mortgage led Louisville.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Citizens Bank & Trust Company took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.7% · Refinance 24.3% · Home improvement 12.9% · Other 7.1%
Conventional 100.0% · of 70 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 68 | 97.1% |
| Indiana | 2 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 57 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MIICHJBUDK6R97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 336147 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315249 | 2004–2017 |
Established 1 January 1872. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: United Citizens Bank & Trust Company's data.
United Citizens Bank & Trust Company's data
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United Citizens Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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