PlainLender
2024 data HMDA 2024 disclosure official source

Larue County

509 mortgage applications, 13.0% denial rate. Verify FIPS 21123 with U.S. Census Bureau →

PlainLender home → About this data

Kentucky · FIPS 21123

Local mortgage market. Larue County, Kentucky saw 509 HMDA-reported mortgage applications in 2024. Lenders originated 323 of those loans and denied 66, producing a denial rate of 13.0% and an approval (origination) rate of 63.5%. The average loan amount was $177,299 at an average note rate of 7.35%, with applicants self-reporting average annual income of $36K. 59 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 21123 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

509
Applications
323
Originated
13.0%
Denial Rate
63.5%
Approval Rate
$177,299
Avg Loan Amount
7.35%
Avg Interest Rate
$36K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Larue 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 The Lincoln National Bank of Hodgenville 72 22.3%
2 Abound Federal Credit Union 48 14.9%
3 Bank of Buffalo 24 7.4%
4 West Point Bank 21 6.5%
5 Rocket Mortgage 20 6.2%
Compare The Lincoln National Bank of Hodgenville vs Abound Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Larue County?
In the 2024 HMDA reporting year, 509 mortgage applications were filed in Larue County, Kentucky. Of these, 323 were originated (approved and funded), while 66 were denied, resulting in a denial rate of 13.0%.
What is the mortgage denial rate in Larue County?
The mortgage denial rate in Larue County is 13.0%. The approval (origination) rate is 63.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Larue County?
The average mortgage loan amount in Larue County is $177,299. The average interest rate is 7.347%. The average applicant income is $36K.
What is the loan-to-income ratio in Larue County?
The average loan-to-income ratio in Larue County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Larue County?
The top mortgage lenders in Larue County by origination volume are The Lincoln National Bank of Hodgenville, Abound Federal Credit Union, Bank of Buffalo. In total, 59 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.