United Citizens Bank & Trust in Kentucky vs the state
11.5%Denial rate-7.32 pts vs state
11.8%Decision denial rate-11.73 pts vs state
78.2%Origination rate+20.12 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
68Loans originated
10Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 66 | 10.6% | — | #189 |
| 2024 | 101 | 83 | 5.9% | — | #189 |
| 2025 | 87 | 68 | 11.5% | — | #221 |
What United Citizens Bank & Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most United Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 38 | 29 | 5 | 13.2% |
| Jefferson County | 24 | 19 | 1 | 4.2% |
| Oldham County | 6 | 6 | 0 | 0.0% |
| Trimble County | 5 | 4 | 1 | 20.0% |
| Carroll County | 5 | 4 | 0 | 0.0% |
| Owen County | 3 | 3 | 0 | 0.0% |
| Shelby County | 3 | 2 | 1 | 33.3% |
| Gallatin County | 1 | 0 | 1 | 100.0% |
| Bullitt County | 1 | 1 | 0 | 0.0% |
| Nelson County | 1 | 0 | 1 | 100.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 87 applications in 2025, of which 68 were originated and 10 denied.
11.5% of all applications, or 11.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are United Citizens Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology