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2024 data HMDA 2024 disclosure official source

Grayson County

1,030 mortgage applications, 21.0% denial rate. Verify FIPS 21085 with U.S. Census Bureau →

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Kentucky · FIPS 21085

Local mortgage market. Grayson County, Kentucky saw 1,030 HMDA-reported mortgage applications in 2024. Lenders originated 524 of those loans and denied 216, producing a denial rate of 21.0% and an approval (origination) rate of 50.9%. The average loan amount was $172,641 at an average note rate of 7.35%, with applicants self-reporting average annual income of $35K. 98 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 21085 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,030
Applications
524
Originated
21.0%
Denial Rate
50.9%
Approval Rate
$172,641
Avg Loan Amount
7.35%
Avg Interest Rate
$35K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Grayson 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 The Cecilian Bank 106 20.2%
2 Wilson & Muir Bank & Trust Company 57 10.9%
3 Abound Federal Credit Union 42 8.0%
4 United Wholesale Mortgage 29 5.5%
5 Rocket Mortgage 27 5.2%
Compare The Cecilian Bank vs Wilson & Muir Bank & Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Grayson County?
In the 2024 HMDA reporting year, 1,030 mortgage applications were filed in Grayson County, Kentucky. Of these, 524 were originated (approved and funded), while 216 were denied, resulting in a denial rate of 21.0%.
What is the mortgage denial rate in Grayson County?
The mortgage denial rate in Grayson County is 21.0%. The approval (origination) rate is 50.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grayson County?
The average mortgage loan amount in Grayson County is $172,641. The average interest rate is 7.353%. The average applicant income is $35K.
What is the loan-to-income ratio in Grayson County?
The average loan-to-income ratio in Grayson 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 Grayson County?
The top mortgage lenders in Grayson County by origination volume are The Cecilian Bank, Wilson & Muir Bank & Trust Company, Abound Federal Credit Union. In total, 98 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.