Allen County
Kentucky · FIPS 21003
According to CFPB HMDA 2024 application volume among U.S. counties, Allen County ranks #1,415 of 3,210, and #40 of 120 in Kentucky.
Mortgage lending activity in Allen County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Allen County, Kentucky saw 1,015 HMDA-reported mortgage applications in 2024. Lenders originated 560 of those loans and denied 179, producing a denial rate of 17.6% and an approval (origination) rate of 55.2%. The average loan amount was $170,813 at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 116 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Allen County
In Allen County, lead originator Edmonton State Bank funded only 10.5% of 560 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 28.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Allen County's 1,015 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Allen County's $170,813 average loan (deduped against volume peers).
Lenders active in Allen County
Edmonton State Bank funded 59 of the 560 loans originated in Allen County, 10.5% of the county. 116 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Edmonton State Bank | 59 | 10.5% |
| 2 | South Central Bank INC | 54 | 9.6% |
| 3 | Atlantic Bay Mortgage Group | 44 | 7.9% |
| 4 | Us Bank, N.A. | 36 | 6.4% |
| 5 | Rocket Mortgage | 22 | 3.9% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Allen County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Allen County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.