Applications / Mortgage Analytics / Lenders / Kentucky / United Cumberland Bank / Competition
United Cumberland Bank
Whitley City, KY · State non-member bank · FDIC · $454 million assets · 198 loans in 2025
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198
loans originated, 2025
270
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who United Cumberland Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO KENTUCKY, 2025
United Cumberland Bank ranks 70th of 537 lenders in non-metro Kentucky, with $19.4M lent: 0.4% of a $5.26B market.
non-metro Kentucky is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Cumberland Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO TENNESSEE, 2025
United Cumberland Bank ranks 133rd of 746 lenders in non-metro Tennessee, with $12.2M lent: 0.1% of a $8.31B market.
non-metro Tennessee is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Cumberland Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — KNOXVILLE, TN, 2025
United Cumberland Bank ranks 213th of 599 lenders in Knoxville, TN, with $3.3M lent: 0.0% of a $8.06B market.
Knoxville, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Cumberland Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LEXINGTON-FAYETTE, KY, 2025
United Cumberland Bank ranks 177th of 389 lenders in Lexington-Fayette, KY, with $1.3M lent: 0.0% of a $3.62B market.
Lexington-Fayette, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Cumberland Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
United Cumberland Bank's data
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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.
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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.
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