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2024 data HMDA 2024 disclosure official source

Calloway County

888 mortgage applications, 20.2% denial rate. Verify FIPS 21035 with U.S. Census Bureau →

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Kentucky · FIPS 21035

Local mortgage market. Calloway County, Kentucky saw 888 HMDA-reported mortgage applications in 2024. Lenders originated 414 of those loans and denied 179, producing a denial rate of 20.2% and an approval (origination) rate of 46.6%. The average loan amount was $178,750 at an average note rate of 7.26%, with applicants self-reporting average annual income of $35K. 101 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 21035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

888
Applications
414
Originated
20.2%
Denial Rate
46.6%
Approval Rate
$178,750
Avg Loan Amount
7.26%
Avg Interest Rate
$35K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Calloway 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 United Wholesale Mortgage 30 7.2%
2 Union Home Mortgage Corp. 28 6.8%
3 Rocket Mortgage 28 6.8%
4 Independence Bank of Kentucky 26 6.3%
5 Us Bank, N.A. 22 5.3%
Compare United Wholesale Mortgage vs Union Home Mortgage Corp. →

Frequently Asked Questions

How many mortgage applications were filed in Calloway County?
In the 2024 HMDA reporting year, 888 mortgage applications were filed in Calloway County, Kentucky. Of these, 414 were originated (approved and funded), while 179 were denied, resulting in a denial rate of 20.2%.
What is the mortgage denial rate in Calloway County?
The mortgage denial rate in Calloway County is 20.2%. The approval (origination) rate is 46.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Calloway County?
The average mortgage loan amount in Calloway County is $178,750. The average interest rate is 7.264%. The average applicant income is $35K.
What is the loan-to-income ratio in Calloway County?
The average loan-to-income ratio in Calloway County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Calloway County?
The top mortgage lenders in Calloway County by origination volume are United Wholesale Mortgage, Union Home Mortgage Corp., Rocket Mortgage. In total, 101 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.