Livingston County
Kentucky · FIPS 21139
According to CFPB HMDA 2024 application volume among U.S. counties, Livingston County ranks #2,410 of 3,210, and #101 of 120 in Kentucky.
Mortgage lending activity in Livingston County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Livingston County, Kentucky saw 281 HMDA-reported mortgage applications in 2024. Lenders originated 120 of those loans and denied 77, producing a denial rate of 27.4% and an approval (origination) rate of 42.7%. The average loan amount was $130,872 at an average note rate of 7.24%, with applicants self-reporting average annual income of $33K. 44 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Livingston County
In Livingston County, lead originator Farmers Bank and Trust Company funded only 10.0% of 120 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 29.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Livingston County's 281 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Livingston County's $130,872 average loan (deduped against volume peers).
Lenders active in Livingston County
Farmers Bank and Trust Company funded 12 of the 120 loans originated in Livingston County, 10.0% of the county. 44 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farmers Bank and Trust Company | 12 | 10.0% |
| 2 | Gershman Investment CORP. | 12 | 10.0% |
| 3 | Regions Bank | 11 | 9.2% |
| 4 | United Wholesale Mortgage | 9 | 7.5% |
| 5 | The Paducah Bank and Trust Company | 8 | 6.7% |
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; does not constitute financial advice for Livingston County borrowers.
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 Livingston County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.