Bell County
Kentucky · FIPS 21013
According to CFPB HMDA 2024 application volume among U.S. counties, Bell County ranks #1,866 of 3,210, and #60 of 120 in Kentucky.
Mortgage lending activity in Bell 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. Bell County, Kentucky saw 606 HMDA-reported mortgage applications in 2024. Lenders originated 189 of those loans and denied 213, producing a denial rate of 35.1% and an approval (origination) rate of 31.2%. The average loan amount was $120,528 at an average note rate of 7.33%, with applicants self-reporting average annual income of $36K. 51 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 Bell County
In Bell County, lead originator Community Trust Bank, Inc. funded 13.8% of 189 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 37.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Bell County's 606 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bell County's $120,528 average loan (deduped against volume peers).
Lenders active in Bell County
Community Trust Bank, Inc. funded 26 of the 189 loans originated in Bell County, 13.8% of the county. 51 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community Trust Bank, Inc. | 26 | 13.8% |
| 2 | Hearthside Bank Corporation | 24 | 12.7% |
| 3 | First State Bank of the Southeast, Inc | 20 | 10.6% |
| 4 | Rocket Mortgage | 20 | 10.6% |
| 5 | Vanderbilt Mortgage and Finance, INC | 12 | 6.3% |
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 Bell 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 Bell 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.