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2024 data HMDA 2024 disclosure official source

Lawrence County

475 mortgage applications, 32.2% denial rate. Verify FIPS 21127 with U.S. Census Bureau →

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Kentucky · FIPS 21127

Local mortgage market. Lawrence County, Kentucky saw 475 HMDA-reported mortgage applications in 2024. Lenders originated 182 of those loans and denied 153, producing a denial rate of 32.2% and an approval (origination) rate of 38.3%. The average loan amount was $132,768 at an average note rate of 7.32%, with applicants self-reporting average annual income of $36K. 51 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 21127 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

475
Applications
182
Originated
32.2%
Denial Rate
38.3%
Approval Rate
$132,768
Avg Loan Amount
7.32%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Lawrence 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 22 12.1%
2 Rocket Mortgage 20 11.0%
3 Vanderbilt Mortgage and Finance, INC 17 9.3%
4 Community Trust Bank, Inc. 15 8.2%
5 Stockton Mortgage Corporation 12 6.6%
Compare City National Bank of WV vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lawrence County?
In the 2024 HMDA reporting year, 475 mortgage applications were filed in Lawrence County, Kentucky. Of these, 182 were originated (approved and funded), while 153 were denied, resulting in a denial rate of 32.2%.
What is the mortgage denial rate in Lawrence County?
The mortgage denial rate in Lawrence County is 32.2%. The approval (origination) rate is 38.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lawrence County?
The average mortgage loan amount in Lawrence County is $132,768. The average interest rate is 7.320%. The average applicant income is $36K.
What is the loan-to-income ratio in Lawrence County?
The average loan-to-income ratio in Lawrence 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 Lawrence County?
The top mortgage lenders in Lawrence County by origination volume are City National Bank of WV, Rocket Mortgage, Vanderbilt Mortgage and Finance, INC. In total, 51 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.