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2024 data HMDA 2024 disclosure official source

Meade County

1,455 mortgage applications, 15.9% denial rate. Verify FIPS 21163 with U.S. Census Bureau →

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Kentucky · FIPS 21163

Local mortgage market. Meade County, Kentucky saw 1,455 HMDA-reported mortgage applications in 2024. Lenders originated 790 of those loans and denied 231, producing a denial rate of 15.9% and an approval (origination) rate of 54.3%. The average loan amount was $207,557 at an average note rate of 7.03%, with applicants self-reporting average annual income of $37K. 103 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 21163 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,455
Applications
790
Originated
15.9%
Denial Rate
54.3%
Approval Rate
$207,557
Avg Loan Amount
7.03%
Avg Interest Rate
$37K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Meade 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 Meade County Bank 115 14.6%
2 The Cecilian Bank 85 10.8%
3 United Wholesale Mortgage 63 8.0%
4 Abound Federal Credit Union 60 7.6%
5 Mortgage Research Center 33 4.2%
Compare Meade County Bank vs The Cecilian Bank →

Frequently Asked Questions

How many mortgage applications were filed in Meade County?
In the 2024 HMDA reporting year, 1,455 mortgage applications were filed in Meade County, Kentucky. Of these, 790 were originated (approved and funded), while 231 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Meade County?
The mortgage denial rate in Meade County is 15.9%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Meade County?
The average mortgage loan amount in Meade County is $207,557. The average interest rate is 7.030%. The average applicant income is $37K.
What is the loan-to-income ratio in Meade County?
The average loan-to-income ratio in Meade County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Meade County?
The top mortgage lenders in Meade County by origination volume are Meade County Bank, The Cecilian Bank, United Wholesale Mortgage. In total, 103 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.