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2024 data HMDA 2024 disclosure official source

Edmonson County

600 mortgage applications, 16.8% denial rate. Verify FIPS 21061 with U.S. Census Bureau →

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Kentucky · FIPS 21061

Local mortgage market. Edmonson County, Kentucky saw 600 HMDA-reported mortgage applications in 2024. Lenders originated 334 of those loans and denied 101, producing a denial rate of 16.8% and an approval (origination) rate of 55.7%. The average loan amount was $181,983 at an average note rate of 7.15%, with applicants self-reporting average annual income of $37K. 89 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 21061 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

600
Applications
334
Originated
16.8%
Denial Rate
55.7%
Approval Rate
$181,983
Avg Loan Amount
7.15%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Edmonson 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 Bank of Edmonson County 52 15.6%
2 Atlantic Bay Mortgage Group 24 7.2%
3 Ruoff Mortgage Company 19 5.7%
4 South Central Bank INC 15 4.5%
5 Abound Federal Credit Union 11 3.3%
Compare Bank of Edmonson County vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Edmonson County?
In the 2024 HMDA reporting year, 600 mortgage applications were filed in Edmonson County, Kentucky. Of these, 334 were originated (approved and funded), while 101 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Edmonson County?
The mortgage denial rate in Edmonson County is 16.8%. The approval (origination) rate is 55.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Edmonson County?
The average mortgage loan amount in Edmonson County is $181,983. The average interest rate is 7.154%. The average applicant income is $37K.
What is the loan-to-income ratio in Edmonson County?
The average loan-to-income ratio in Edmonson County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Edmonson County?
The top mortgage lenders in Edmonson County by origination volume are Bank of Edmonson County, Atlantic Bay Mortgage Group, Ruoff Mortgage Company. In total, 89 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.