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2024 data HMDA 2024 disclosure official source

Jessamine County

2,280 mortgage applications, 13.7% denial rate. Verify FIPS 21113 with U.S. Census Bureau →

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Kentucky · FIPS 21113

Local mortgage market. Jessamine County, Kentucky saw 2,280 HMDA-reported mortgage applications in 2024. Lenders originated 1,329 of those loans and denied 313, producing a denial rate of 13.7% and an approval (origination) rate of 58.3%. The average loan amount was $300,846 at an average note rate of 7.14%, with applicants self-reporting average annual income of $37K. 155 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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 21113 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,280
Applications
1,329
Originated
13.7%
Denial Rate
58.3%
Approval Rate
$300,846
Avg Loan Amount
7.14%
Avg Interest Rate
$37K
Avg Applicant Income
8.1x
Loan-to-Income Ratio

Nearby Lenders in Jessamine 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 University of Ky FCU 112 8.4%
2 Rocket Mortgage 71 5.3%
3 City National Bank of WV 71 5.3%
4 Stockton Mortgage Corporation 67 5.0%
5 Farmers Bank 64 4.8%
Compare University of Ky FCU vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Jessamine County?
In the 2024 HMDA reporting year, 2,280 mortgage applications were filed in Jessamine County, Kentucky. Of these, 1,329 were originated (approved and funded), while 313 were denied, resulting in a denial rate of 13.7%.
What is the mortgage denial rate in Jessamine County?
The mortgage denial rate in Jessamine County is 13.7%. The approval (origination) rate is 58.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jessamine County?
The average mortgage loan amount in Jessamine County is $300,846. The average interest rate is 7.138%. The average applicant income is $37K.
What is the loan-to-income ratio in Jessamine County?
The average loan-to-income ratio in Jessamine County is 8.1x, meaning borrowers took on loans averaging 8.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jessamine County?
The top mortgage lenders in Jessamine County by origination volume are University of Ky FCU, Rocket Mortgage, City National Bank of WV. In total, 155 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.