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2024 data HMDA 2024 disclosure official source

Owsley County

92 mortgage applications, 53.3% denial rate. Verify FIPS 21189 with U.S. Census Bureau →

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Kentucky · FIPS 21189

Local mortgage market. Owsley County, Kentucky saw 92 HMDA-reported mortgage applications in 2024. Lenders originated 15 of those loans and denied 49, producing a denial rate of 53.3% and an approval (origination) rate of 16.3%. The average loan amount was $135,000 at an average note rate of 7.51%, with applicants self-reporting average annual income of $39K. 11 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 21189 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

92
Applications
15
Originated
53.3%
Denial Rate
16.3%
Approval Rate
$135,000
Avg Loan Amount
7.51%
Avg Interest Rate
$39K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Owsley 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 Mortgage Research Center 2 13.3%
2 Rocket Mortgage 2 13.3%
3 New American Funding, LLC. 2 13.3%
4 Vanderbilt Mortgage and Finance, INC 2 13.3%
5 Stockton Mortgage Corporation 1 6.7%
Compare Mortgage Research Center vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Owsley County?
In the 2024 HMDA reporting year, 92 mortgage applications were filed in Owsley County, Kentucky. Of these, 15 were originated (approved and funded), while 49 were denied, resulting in a denial rate of 53.3%.
What is the mortgage denial rate in Owsley County?
The mortgage denial rate in Owsley County is 53.3%. The approval (origination) rate is 16.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Owsley County?
The average mortgage loan amount in Owsley County is $135,000. The average interest rate is 7.506%. The average applicant income is $39K.
What is the loan-to-income ratio in Owsley County?
The average loan-to-income ratio in Owsley County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Owsley County?
The top mortgage lenders in Owsley County by origination volume are Mortgage Research Center, Rocket Mortgage, New American Funding, LLC.. In total, 11 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.