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2024 data HMDA 2024 disclosure official source

Barren County

1,639 mortgage applications, 16.7% denial rate. Verify FIPS 21009 with U.S. Census Bureau →

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Kentucky · FIPS 21009

Local mortgage market. Barren County, Kentucky saw 1,639 HMDA-reported mortgage applications in 2024. Lenders originated 901 of those loans and denied 274, producing a denial rate of 16.7% and an approval (origination) rate of 55.0%. The average loan amount was $169,045 at an average note rate of 7.34%, with applicants self-reporting average annual income of $36K. 113 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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.

FIPS 21009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,639
Applications
901
Originated
16.7%
Denial Rate
55.0%
Approval Rate
$169,045
Avg Loan Amount
7.34%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Barren County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 South Central Bank INC 187 20.8%
2 Edmonton State Bank 148 16.4%
3 Atlantic Bay Mortgage Group 64 7.1%
4 Rocket Mortgage 43 4.8%
5 Abound Federal Credit Union 37 4.1%
Compare South Central Bank INC vs Edmonton State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Barren County?
In the 2024 HMDA reporting year, 1,639 mortgage applications were filed in Barren County, Kentucky. Of these, 901 were originated (approved and funded), while 274 were denied, resulting in a denial rate of 16.7%.
What is the mortgage denial rate in Barren County?
The mortgage denial rate in Barren County is 16.7%. The approval (origination) rate is 55.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barren County?
The average mortgage loan amount in Barren County is $169,045. The average interest rate is 7.341%. The average applicant income is $36K.
What is the loan-to-income ratio in Barren County?
The average loan-to-income ratio in Barren County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barren County?
The top mortgage lenders in Barren County by origination volume are South Central Bank INC, Edmonton State Bank, Atlantic Bay Mortgage Group. In total, 113 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.