PlainLender
2024 data HMDA 2024 disclosure official source

Hickman County

101 mortgage applications, 19.8% denial rate. Verify FIPS 21105 with U.S. Census Bureau →

PlainLender home → About this data

Kentucky · FIPS 21105

Local mortgage market. Hickman County, Kentucky saw 101 HMDA-reported mortgage applications in 2024. Lenders originated 55 of those loans and denied 20, producing a denial rate of 19.8% and an approval (origination) rate of 54.5%. The average loan amount was $114,505 at an average note rate of 7.15%, with applicants self-reporting average annual income of $35K. 21 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 21105 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

101
Applications
55
Originated
19.8%
Denial Rate
54.5%
Approval Rate
$114,505
Avg Loan Amount
7.15%
Avg Interest Rate
$35K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Hickman 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 First Community Bank of the Heartland, Inc. 14 25.5%
2 Citizens Deposit Bank 10 18.2%
3 Rocket Mortgage 4 7.3%
4 First Financial Bank, NA 4 7.3%
5 United Wholesale Mortgage 3 5.5%
Compare First Community Bank of the Heartland, Inc. vs Citizens Deposit Bank →

Frequently Asked Questions

How many mortgage applications were filed in Hickman County?
In the 2024 HMDA reporting year, 101 mortgage applications were filed in Hickman County, Kentucky. Of these, 55 were originated (approved and funded), while 20 were denied, resulting in a denial rate of 19.8%.
What is the mortgage denial rate in Hickman County?
The mortgage denial rate in Hickman County is 19.8%. The approval (origination) rate is 54.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hickman County?
The average mortgage loan amount in Hickman County is $114,505. The average interest rate is 7.150%. The average applicant income is $35K.
What is the loan-to-income ratio in Hickman County?
The average loan-to-income ratio in Hickman County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hickman County?
The top mortgage lenders in Hickman County by origination volume are First Community Bank of the Heartland, Inc., Citizens Deposit Bank, Rocket Mortgage. In total, 21 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.