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2024 data HMDA 2024 disclosure official source

Greenup County

1,244 mortgage applications, 22.4% denial rate. Verify FIPS 21089 with U.S. Census Bureau →

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Kentucky · FIPS 21089

Local mortgage market. Greenup County, Kentucky saw 1,244 HMDA-reported mortgage applications in 2024. Lenders originated 645 of those loans and denied 279, producing a denial rate of 22.4% and an approval (origination) rate of 51.8%. The average loan amount was $143,521 at an average note rate of 7.07%, with applicants self-reporting average annual income of $36K. 94 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 21089 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,244
Applications
645
Originated
22.4%
Denial Rate
51.8%
Approval Rate
$143,521
Avg Loan Amount
7.07%
Avg Interest Rate
$36K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Greenup 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 City National Bank of WV 96 14.9%
2 Commercial Bank of Grayson 43 6.7%
3 United Wholesale Mortgage 43 6.7%
4 Equity Prime Mortgage LLC 42 6.5%
5 Members Choice Credit Union 39 6.0%
Compare City National Bank of WV vs Commercial Bank of Grayson →

Frequently Asked Questions

How many mortgage applications were filed in Greenup County?
In the 2024 HMDA reporting year, 1,244 mortgage applications were filed in Greenup County, Kentucky. Of these, 645 were originated (approved and funded), while 279 were denied, resulting in a denial rate of 22.4%.
What is the mortgage denial rate in Greenup County?
The mortgage denial rate in Greenup County is 22.4%. The approval (origination) rate is 51.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greenup County?
The average mortgage loan amount in Greenup County is $143,521. The average interest rate is 7.065%. The average applicant income is $36K.
What is the loan-to-income ratio in Greenup County?
The average loan-to-income ratio in Greenup County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Greenup County?
The top mortgage lenders in Greenup County by origination volume are City National Bank of WV, Commercial Bank of Grayson, United Wholesale Mortgage. In total, 94 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.