Warren County
Kentucky · FIPS 21227
According to CFPB HMDA 2024 application volume among U.S. counties, Warren County ranks #512 of 3,210, and #6 of 120 in Kentucky.
Mortgage lending activity in Warren 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Warren County
In Warren County, lead originator South Central Bank INC funded only 8.6% of 2,943 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Warren County's 4,981 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Warren County's $261,161 average loan (deduped against volume peers).
Lenders active in Warren County
South Central Bank INC funded 253 of the 2,943 loans originated in Warren County, 8.6% of the county. 200 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Warren County borrowers.
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 Warren County 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. 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.