Graves County
Kentucky · FIPS 21083
According to CFPB HMDA 2024 application volume among U.S. counties, Graves County ranks #1,318 of 3,210, and #32 of 120 in Kentucky.
Mortgage lending activity in Graves 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. Graves County, Kentucky saw 1,121 HMDA-reported mortgage applications in 2024. Lenders originated 531 of those loans and denied 250, producing a denial rate of 22.3% and an approval (origination) rate of 47.4%. The average loan amount was $140,067 at an average note rate of 7.07%, with applicants self-reporting average annual income of $37K. 81 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Graves County
In Graves County, lead originator Us Bank, N.A. funded only 10.4% of 531 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Graves County's 1,121 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Graves County's $140,067 average loan (deduped against volume peers).
Lenders active in Graves County
Us Bank, N.A. funded 55 of the 531 loans originated in Graves County, 10.4% of the county. 81 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Us Bank, N.A. | 55 | 10.4% |
| 2 | Gershman Investment CORP. | 36 | 6.8% |
| 3 | Rocket Mortgage | 35 | 6.6% |
| 4 | FNB Bank Inc | 34 | 6.4% |
| 5 | First Kentucky Bank | 32 | 6.0% |
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 Graves 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 Graves 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.