Scott County
Kentucky · FIPS 21209
According to CFPB HMDA 2024 application volume among U.S. counties, Scott County ranks #699 of 3,223, and #11 of 120 in Kentucky.
Mortgage lending activity in Scott 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. Scott County, Kentucky lenders denied 498 of the applications reported here, financing the rest at an average note rate of 7.29%, with applicants self-reporting average annual income of $37K. 162 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 Scott County
In Scott County, lead originator Stockton Mortgage Corporation funded only 7.6% of 1,743 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Scott County's 3,187 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Scott County's $215,298 average loan (deduped against volume peers).
Lenders active in Scott County
Stockton Mortgage Corporation funded 133 of the 1,743 loans originated in Scott County, 7.6% of the county. 162 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Stockton Mortgage Corporation | 133 | 7.6% |
| 2 | Commonwealth Credit Union | 112 | 6.4% |
| 3 | Rocket Mortgage | 98 | 5.6% |
| 4 | University of Ky FCU | 86 | 4.9% |
| 5 | Ark-La-Tex Financial Services LLC | 65 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Scott 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 Scott 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.