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2024 data HMDA 2024 disclosure official source

Warren County

4,981 mortgage applications, 12.8% denial rate. Verify FIPS 21227 with U.S. Census Bureau →

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Kentucky · FIPS 21227

Local mortgage market. Warren County, Kentucky saw 4,981 HMDA-reported mortgage applications in 2024. Lenders originated 2,943 of those loans and denied 637, producing a denial rate of 12.8% and an approval (origination) rate of 59.1%. The average loan amount was $261,161 at an average note rate of 7.08%, with applicants self-reporting average annual income of $37K. 200 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 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 21227 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,981
Applications
2,943
Originated
12.8%
Denial Rate
59.1%
Approval Rate
$261,161
Avg Loan Amount
7.08%
Avg Interest Rate
$37K
Avg Applicant Income
7.1x
Loan-to-Income Ratio

Nearby Lenders in Warren 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 South Central Bank INC 253 8.6%
2 Atlantic Bay Mortgage Group 240 8.2%
3 American Bank & Trust Company Inc. 199 6.8%
4 Liberty Federal Credit Union 153 5.2%
5 Us Bank, N.A. 148 5.0%
Compare South Central Bank INC vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Warren County?
In the 2024 HMDA reporting year, 4,981 mortgage applications were filed in Warren County, Kentucky. Of these, 2,943 were originated (approved and funded), while 637 were denied, resulting in a denial rate of 12.8%.
What is the mortgage denial rate in Warren County?
The mortgage denial rate in Warren County is 12.8%. The approval (origination) rate is 59.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Warren County?
The average mortgage loan amount in Warren County is $261,161. The average interest rate is 7.084%. The average applicant income is $37K.
What is the loan-to-income ratio in Warren County?
The average loan-to-income ratio in Warren County is 7.1x, meaning borrowers took on loans averaging 7.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Warren County?
The top mortgage lenders in Warren County by origination volume are South Central Bank INC, Atlantic Bay Mortgage Group, American Bank & Trust Company Inc.. In total, 200 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.