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2024 data HMDA 2024 disclosure official source

Todd County

373 mortgage applications, 18.8% denial rate. Verify FIPS 21219 with U.S. Census Bureau →

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Kentucky · FIPS 21219

Local mortgage market. Todd County, Kentucky saw 373 HMDA-reported mortgage applications in 2024. Lenders originated 181 of those loans and denied 70, producing a denial rate of 18.8% and an approval (origination) rate of 48.5%. The average loan amount was $855,724 at an average note rate of 7.11%, with applicants self-reporting average annual income of $38K. 67 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 22.5x, meaning typical borrowers took on mortgages of about 22.5 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 21219 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

373
Applications
181
Originated
18.8%
Denial Rate
48.5%
Approval Rate
$855,724
Avg Loan Amount
7.11%
Avg Interest Rate
$38K
Avg Applicant Income
22.5x
Loan-to-Income Ratio

Nearby Lenders in Todd 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 United Southern Bank 18 9.9%
2 Mortgage Research Center 16 8.8%
3 Stockton Mortgage Corporation 15 8.3%
4 Rocket Mortgage 10 5.5%
5 First Southern National Bank 8 4.4%
Compare United Southern Bank vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Todd County?
In the 2024 HMDA reporting year, 373 mortgage applications were filed in Todd County, Kentucky. Of these, 181 were originated (approved and funded), while 70 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Todd County?
The mortgage denial rate in Todd County is 18.8%. The approval (origination) rate is 48.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Todd County?
The average mortgage loan amount in Todd County is $855,724. The average interest rate is 7.112%. The average applicant income is $38K.
What is the loan-to-income ratio in Todd County?
The average loan-to-income ratio in Todd County is 22.5x, meaning borrowers took on loans averaging 22.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Todd County?
The top mortgage lenders in Todd County by origination volume are United Southern Bank, Mortgage Research Center, Stockton Mortgage Corporation. In total, 67 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.