Hardin County
Kentucky · FIPS 21093
According to CFPB HMDA 2024 application volume among U.S. counties, Hardin County ranks #490 of 3,210, and #5 of 120 in Kentucky.
Mortgage lending activity in Hardin 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. Hardin County, Kentucky saw 5,192 HMDA-reported mortgage applications in 2024. Lenders originated 2,836 of those loans and denied 820, producing a denial rate of 15.8% and an approval (origination) rate of 54.6%. The average loan amount was $229,218 at an average note rate of 7.00%, with applicants self-reporting average annual income of $38K. 181 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hardin County
In Hardin County, lead originator Abound Federal Credit Union funded 11.5% of 2,836 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Hardin County's 5,192 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hardin County's $229,218 average loan (deduped against volume peers).
Lenders active in Hardin County
Abound Federal Credit Union funded 326 of the 2,836 loans originated in Hardin County, 11.5% of the county. 181 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Abound Federal Credit Union | 326 | 11.5% |
| 2 | United Wholesale Mortgage | 274 | 9.7% |
| 3 | West Point Bank | 185 | 6.5% |
| 4 | South Central Bank INC | 184 | 6.5% |
| 5 | The Cecilian Bank | 161 | 5.7% |
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 Hardin 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 Hardin 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.