United Citizens Bank & Trust Company
United Citizens Bank & Trust Company received 90 applications in 2025 and made 70 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $150,000. Of 88 decisions, 11 were denials — 12.5%.
| Legal Entity Identifier | 549300MIICHJBUDK6R97 |
|---|---|
| Applications received | 90 |
| Mortgages made | 70 |
| Denied | 11 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: United Citizens Bank & Trust Company, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 39 | Not published | $175,000 | 8.3% |
| Refinancing | 17 | Not published | $125,000 | 17.4% |
| Other purposes | 14 | Not published | $60,000 | 17.7% |
Where United Citizens Bank & Trust Company lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Henry County, KY | 29 | Not published | 13.5% |
| Jefferson County, KY | 19 | Not published | 4.2% |
| Oldham County, KY | 6 | Under 10 loans | 0.0% |
| Carroll County, KY | 4 | Under 10 loans | 0.0% |
| Trimble County, KY | 4 | Under 10 loans | 20.0% |
| Owen County, KY | 3 | Under 10 loans | 0.0% |
| Shelby County, KY | 2 | Under 10 loans | 33.3% |
| Jefferson County, IN | 1 | Under 10 loans | 50.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| Bullitt County, KY | 1 | Under 10 loans | 0.0% |
| Gallatin County, KY | 0 | Under 10 loans | 100.0% |
| Nelson County, KY | 0 | Under 10 loans | 100.0% |
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When United Citizens Bank & Trust Company’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.