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2024 data HMDA 2024 disclosure official source

Johnson County

682 mortgage applications, 33.3% denial rate. Verify FIPS 21115 with U.S. Census Bureau →

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Kentucky · FIPS 21115

Local mortgage market. Johnson County, Kentucky saw 682 HMDA-reported mortgage applications in 2024. Lenders originated 256 of those loans and denied 227, producing a denial rate of 33.3% and an approval (origination) rate of 37.5%. The average loan amount was $134,223 at an average note rate of 7.07%, with applicants self-reporting average annual income of $36K. 57 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 21115 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

682
Applications
256
Originated
33.3%
Denial Rate
37.5%
Approval Rate
$134,223
Avg Loan Amount
7.07%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Johnson 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 35 13.7%
2 Community Trust Bank, Inc. 28 10.9%
3 Stockton Mortgage Corporation 22 8.6%
4 Citizens Bank of Kentucky, INC. 19 7.4%
5 Republic State Mortgage CO. 18 7.0%
Compare City National Bank of WV vs Community Trust Bank, Inc. →

Frequently Asked Questions

How many mortgage applications were filed in Johnson County?
In the 2024 HMDA reporting year, 682 mortgage applications were filed in Johnson County, Kentucky. Of these, 256 were originated (approved and funded), while 227 were denied, resulting in a denial rate of 33.3%.
What is the mortgage denial rate in Johnson County?
The mortgage denial rate in Johnson County is 33.3%. The approval (origination) rate is 37.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Johnson County?
The average mortgage loan amount in Johnson County is $134,223. The average interest rate is 7.067%. The average applicant income is $36K.
What is the loan-to-income ratio in Johnson County?
The average loan-to-income ratio in Johnson County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Johnson County?
The top mortgage lenders in Johnson County by origination volume are City National Bank of WV, Community Trust Bank, Inc., Stockton Mortgage Corporation. In total, 57 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.