PlainLender
2024 data HMDA 2024 disclosure official source

Bath County

396 mortgage applications, 23.7% denial rate. Verify FIPS 21011 with U.S. Census Bureau →

PlainLender home → About this data

Kentucky · FIPS 21011

Local mortgage market. Bath County, Kentucky saw 396 HMDA-reported mortgage applications in 2024. Lenders originated 169 of those loans and denied 94, producing a denial rate of 23.7% and an approval (origination) rate of 42.7%. The average loan amount was $135,328 at an average note rate of 7.11%, with applicants self-reporting average annual income of $36K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 21011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

396
Applications
169
Originated
23.7%
Denial Rate
42.7%
Approval Rate
$135,328
Avg Loan Amount
7.11%
Avg Interest Rate
$36K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Bath 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 Peoples Bank of Kentucky, Inc 25 14.8%
2 Traditional Bank Inc 14 8.3%
3 Rocket Mortgage 11 6.5%
4 Community Trust Bank, Inc. 7 4.1%
5 Stockton Mortgage Corporation 6 3.6%
Compare Peoples Bank of Kentucky, Inc vs Traditional Bank Inc →

Frequently Asked Questions

How many mortgage applications were filed in Bath County?
In the 2024 HMDA reporting year, 396 mortgage applications were filed in Bath County, Kentucky. Of these, 169 were originated (approved and funded), while 94 were denied, resulting in a denial rate of 23.7%.
What is the mortgage denial rate in Bath County?
The mortgage denial rate in Bath County is 23.7%. The approval (origination) rate is 42.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bath County?
The average mortgage loan amount in Bath County is $135,328. The average interest rate is 7.105%. The average applicant income is $36K.
What is the loan-to-income ratio in Bath County?
The average loan-to-income ratio in Bath County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bath County?
The top mortgage lenders in Bath County by origination volume are Peoples Bank of Kentucky, Inc, Traditional Bank Inc, Rocket Mortgage. In total, 55 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.