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2024 data HMDA 2024 disclosure official source

McCreary County

376 mortgage applications, 30.9% denial rate. Verify FIPS 21147 with U.S. Census Bureau →

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Kentucky · FIPS 21147

Local mortgage market. McCreary County, Kentucky saw 376 HMDA-reported mortgage applications in 2024. Lenders originated 140 of those loans and denied 116, producing a denial rate of 30.9% and an approval (origination) rate of 37.2%. The average loan amount was $128,324 at an average note rate of 7.09%, with applicants self-reporting average annual income of $38K. 53 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 21147 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

376
Applications
140
Originated
30.9%
Denial Rate
37.2%
Approval Rate
$128,324
Avg Loan Amount
7.09%
Avg Interest Rate
$38K
Avg Applicant Income
3.4x
Loan-to-Income Ratio

Nearby Lenders in McCreary 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 Rocket Mortgage 17 12.1%
2 New American Funding, LLC. 15 10.7%
3 21st Mortgage 11 7.9%
4 Mortgage Research Center 6 4.3%
5 First National Bank of Oneida 6 4.3%
Compare Rocket Mortgage vs New American Funding, LLC. →

Frequently Asked Questions

How many mortgage applications were filed in McCreary County?
In the 2024 HMDA reporting year, 376 mortgage applications were filed in McCreary County, Kentucky. Of these, 140 were originated (approved and funded), while 116 were denied, resulting in a denial rate of 30.9%.
What is the mortgage denial rate in McCreary County?
The mortgage denial rate in McCreary County is 30.9%. The approval (origination) rate is 37.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in McCreary County?
The average mortgage loan amount in McCreary County is $128,324. The average interest rate is 7.093%. The average applicant income is $38K.
What is the loan-to-income ratio in McCreary County?
The average loan-to-income ratio in McCreary County is 3.4x, meaning borrowers took on loans averaging 3.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in McCreary County?
The top mortgage lenders in McCreary County by origination volume are Rocket Mortgage, New American Funding, LLC., 21st Mortgage. In total, 53 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.