Applications / Mortgage Analytics / Lenders / Kentucky / United Cumberland Bank
Whitley City, KY · State non-member bank · FDIC · $454 million assets · 198 loans in 2025
United Cumberland Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
198
loans originated, 2025
270
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Cumberland Bank, a Kentucky bank, lends in poorer neighborhoods more than almost any similar bank: 61.4% of its loans went to homes in low- and moderate-income areas.
Similar lenders here means banks of the same type making between half and twice as many loans. At the middle of that group, 17.3% of loans went to low- and moderate-income neighborhoods; at United Cumberland Bank it was 61.4%, the highest in the group. Its largest markets are non-metro Kentucky and non-metro Tennessee, where such neighborhoods may simply make up much of the map. Its share of low- and moderate-income borrowers, 29.9%, is near the middle.
Refinancing made up 54.5% of its loans, purchases only 30.3% and home improvement 15.2%. All were conventional. Manufactured homes took 6.6% of its loans, about double the 2.9% at similar lenders.
Its typical loan was $135,000, lower than at about seven in ten similar lenders, whose middle was $175,000. Five years earlier it was $75,000. That is why its dollar total, $36.2 million, is above 2020's $29.8 million even though it made fewer loans.
It made 198 loans, down 16% from 237, while similar lenders grew 10%. A book weighted toward refinancing can swing with borrowers' appetite to refinance, which is one possible reason. It has reported since 2015, after Bank of McCreary County took its present name in 2014.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Cumberland Bank took 270 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.5% · Purchase 30.3% · Home improvement 15.2%
Conventional 100.0% · of 198 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 | 127 | 64.1% |
| Tennessee | 71 | 35.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 11 |
| Lexington-Fayette | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PLQ5DT613TXQ48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425818 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3303 | 2015–2017 |
Established 1 January 1906. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: United Cumberland Bank's data.
United Cumberland Bank's data
$215
United Cumberland Bank 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.
Buy United Cumberland Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]