Menifee County
Kentucky · FIPS 21165
According to CFPB HMDA 2024 application volume among U.S. counties, Menifee County ranks #2,479 of 3,223, and #106 of 120 in Kentucky.
Mortgage lending activity in Menifee 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. Menifee County, Kentucky lenders denied 54 of the applications reported here, financing the rest at an average note rate of 7.18%, with applicants self-reporting average annual income of $37K. 46 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Menifee County
In Menifee County, lead originator Traditional Bank Inc funded 15.7% of 115 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 30.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Menifee County's 248 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Menifee County's $119,435 average loan (deduped against volume peers).
Lenders active in Menifee County
Traditional Bank Inc funded 18 of the 115 loans originated in Menifee County, 15.7% of the county. 46 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Traditional Bank Inc | 18 | 15.7% |
| 2 | Rocket Mortgage | 9 | 7.8% |
| 3 | United Wholesale Mortgage | 8 | 7.0% |
| 4 | Us Bank, N.A. | 6 | 5.2% |
| 5 | Farm Credit Mid-America, Aca | 4 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Menifee County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Menifee County borrowers. 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.