Rowan County
Kentucky · FIPS 21205
According to CFPB HMDA 2024 application volume among U.S. counties, Rowan County ranks #1,881 of 3,223, and #61 of 120 in Kentucky.
Mortgage lending activity in Rowan 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. Rowan County, Kentucky lenders denied 166 of the applications reported here, financing the rest at an average note rate of 7.15%, with applicants self-reporting average annual income of $35K. 71 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Rowan County
In Rowan County, lead originator Stock Yards Bank & Trust Company funded 11.6% of 267 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.2% 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 Rowan County's 602 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rowan County's $157,292 average loan (deduped against volume peers).
Lenders active in Rowan County
Stock Yards Bank & Trust Company funded 31 of the 267 loans originated in Rowan County, 11.6% of the county. 71 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company | 31 | 11.6% |
| 2 | First National Bank of Grayson | 21 | 7.9% |
| 3 | Rocket Mortgage | 18 | 6.7% |
| 4 | Whitaker Bank INC | 17 | 6.4% |
| 5 | Us Bank, N.A. | 16 | 6.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Rowan 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 Rowan 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.