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2024 data HMDA 2024 disclosure official source

Jefferson County

30,023 mortgage applications, 15.3% denial rate. Verify FIPS 21111 with U.S. Census Bureau →

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Kentucky · FIPS 21111

Local mortgage market. Jefferson County, Kentucky saw 30,023 HMDA-reported mortgage applications in 2024. Lenders originated 16,999 of those loans and denied 4,602, producing a denial rate of 15.3% and an approval (origination) rate of 56.6%. The average loan amount was $238,700 at an average note rate of 7.05%, with applicants self-reporting average annual income of $37K. 392 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 21111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

30,023
Applications
16,999
Originated
15.3%
Denial Rate
56.6%
Approval Rate
$238,700
Avg Loan Amount
7.05%
Avg Interest Rate
$37K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Jefferson 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 United Wholesale Mortgage 1,774 10.4%
2 Stock Yards Bank & Trust Company 907 5.3%
3 Pnc Bank N.A. 805 4.7%
4 Rocket Mortgage 766 4.5%
5 Republic Bank & Trust 729 4.3%
Compare United Wholesale Mortgage vs Stock Yards Bank & Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Jefferson County?
In the 2024 HMDA reporting year, 30,023 mortgage applications were filed in Jefferson County, Kentucky. Of these, 16,999 were originated (approved and funded), while 4,602 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Jefferson County?
The mortgage denial rate in Jefferson County is 15.3%. The approval (origination) rate is 56.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jefferson County?
The average mortgage loan amount in Jefferson County is $238,700. The average interest rate is 7.052%. The average applicant income is $37K.
What is the loan-to-income ratio in Jefferson County?
The average loan-to-income ratio in Jefferson County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jefferson County?
The top mortgage lenders in Jefferson County by origination volume are United Wholesale Mortgage, Stock Yards Bank & Trust Company, Pnc Bank N.A.. In total, 392 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.