Barren County
Kentucky · FIPS 21009
According to CFPB HMDA 2024 application volume among U.S. counties, Barren County ranks #1,045 of 3,210, and #21 of 120 in Kentucky.
Mortgage lending activity in Barren 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Barren County
In Barren County, lead originator South Central Bank INC funded 20.8% of 901 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Barren County's 1,639 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Barren County's $169,045 average loan (deduped against volume peers).
Lenders active in Barren County
South Central Bank INC funded 187 of the 901 loans originated in Barren County, 20.8% of the county. 113 lenders reported activity here.
| # | 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% |
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 Barren 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 Barren 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.