Clark County
Kentucky · FIPS 21049
According to CFPB HMDA 2024 application volume among U.S. counties, Clark County ranks #1,090 of 3,210, and #24 of 120 in Kentucky.
Mortgage lending activity in Clark 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. Clark County, Kentucky saw 1,547 HMDA-reported mortgage applications in 2024. Lenders originated 883 of those loans and denied 247, producing a denial rate of 16.0% and an approval (origination) rate of 57.1%. The average loan amount was $189,984 at an average note rate of 7.36%, with applicants self-reporting average annual income of $37K. 122 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Clark County
In Clark County, lead originator Traditional Bank Inc funded only 9.4% of 883 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Clark County's 1,547 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clark County's $189,984 average loan (deduped against volume peers).
Lenders active in Clark County
Traditional Bank Inc funded 83 of the 883 loans originated in Clark County, 9.4% of the county. 122 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Traditional Bank Inc | 83 | 9.4% |
| 2 | Stock Yards Bank & Trust Company | 65 | 7.4% |
| 3 | Community Trust Bank, Inc. | 64 | 7.2% |
| 4 | Central Bank & Trust Co | 45 | 5.1% |
| 5 | Rocket Mortgage | 44 | 5.0% |
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 Clark 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 Clark 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.