{
  "finding": "denied-most",
  "name": "Where a mortgage application is denied most",
  "updated": "2026-09-18",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Mortgage Lender Index (https://mortgagelenderindex.com/findings/denied-most/)",
  "source": "Consumer Financial Protection Bureau, HMDA loan-level data via the FFIEC; FDIC Summary of Deposits and institutions directory",
  "count": 200,
  "rows": [
    {
      "fips": "35031",
      "state": "NM",
      "county": "McKinley",
      "county_slug": "mckinley",
      "label": "McKinley County",
      "year": 2025,
      "lenders": 107,
      "originations": 288,
      "denied": 362,
      "denial_share": 0.5363,
      "top_denial_reason": 3,
      "top_denial_share": 0.4763
    },
    {
      "fips": "21071",
      "state": "KY",
      "county": "Floyd",
      "county_slug": "floyd",
      "label": "Floyd County",
      "year": 2025,
      "lenders": 91,
      "originations": 332,
      "denied": 386,
      "denial_share": 0.5099,
      "top_denial_reason": 3,
      "top_denial_share": 0.5117
    },
    {
      "fips": "28153",
      "state": "MS",
      "county": "Wayne",
      "county_slug": "wayne",
      "label": "Wayne County",
      "year": 2025,
      "lenders": 81,
      "originations": 217,
      "denied": 255,
      "denial_share": 0.4857,
      "top_denial_reason": 3,
      "top_denial_share": 0.5657
    },
    {
      "fips": "48291",
      "state": "TX",
      "county": "Liberty",
      "county_slug": "liberty",
      "label": "Liberty County",
      "year": 2025,
      "lenders": 306,
      "originations": 2186,
      "denied": 2442,
      "denial_share": 0.4817,
      "top_denial_reason": 3,
      "top_denial_share": 0.5037
    },
    {
      "fips": "45089",
      "state": "SC",
      "county": "Williamsburg",
      "county_slug": "williamsburg",
      "label": "Williamsburg County",
      "year": 2025,
      "lenders": 113,
      "originations": 235,
      "denied": 252,
      "denial_share": 0.4782,
      "top_denial_reason": 3,
      "top_denial_share": 0.4881
    },
    {
      "fips": "28061",
      "state": "MS",
      "county": "Jasper",
      "county_slug": "jasper",
      "label": "Jasper County",
      "year": 2025,
      "lenders": 90,
      "originations": 224,
      "denied": 251,
      "denial_share": 0.4781,
      "top_denial_reason": 3,
      "top_denial_share": 0.6375
    },
    {
      "fips": "45075",
      "state": "SC",
      "county": "Orangeburg",
      "county_slug": "orangeburg",
      "label": "Orangeburg County",
      "year": 2025,
      "lenders": 256,
      "originations": 1260,
      "denied": 1249,
      "denial_share": 0.4694,
      "top_denial_reason": 3,
      "top_denial_share": 0.4429
    },
    {
      "fips": "21121",
      "state": "KY",
      "county": "Knox",
      "county_slug": "knox",
      "label": "Knox County",
      "year": 2025,
      "lenders": 101,
      "originations": 313,
      "denied": 302,
      "denial_share": 0.466,
      "top_denial_reason": 3,
      "top_denial_share": 0.5282
    },
    {
      "fips": "21195",
      "state": "KY",
      "county": "Pike",
      "county_slug": "pike",
      "label": "Pike County",
      "year": 2025,
      "lenders": 106,
      "originations": 546,
      "denied": 524,
      "denial_share": 0.4641,
      "top_denial_reason": 3,
      "top_denial_share": 0.4914
    },
    {
      "fips": "48457",
      "state": "TX",
      "county": "Tyler",
      "county_slug": "tyler",
      "label": "Tyler County",
      "year": 2025,
      "lenders": 132,
      "originations": 271,
      "denied": 284,
      "denial_share": 0.4487,
      "top_denial_reason": 3,
      "top_denial_share": 0.489
    },
    {
      "fips": "45033",
      "state": "SC",
      "county": "Dillon",
      "county_slug": "dillon",
      "label": "Dillon County",
      "year": 2025,
      "lenders": 112,
      "originations": 314,
      "denied": 262,
      "denial_share": 0.4288,
      "top_denial_reason": 3,
      "top_denial_share": 0.4904
    },
    {
      "fips": "28113",
      "state": "MS",
      "county": "Pike",
      "county_slug": "pike",
      "label": "Pike County",
      "year": 2025,
      "lenders": 122,
      "originations": 483,
      "denied": 413,
      "denial_share": 0.4284,
      "top_denial_reason": 3,
      "top_denial_share": 0.4939
    },
    {
      "fips": "28031",
      "state": "MS",
      "county": "Covington",
      "county_slug": "covington",
      "label": "Covington County",
      "year": 2025,
      "lenders": 90,
      "originations": 287,
      "denied": 239,
      "denial_share": 0.4223,
      "top_denial_reason": 3,
      "top_denial_share": 0.5042
    },
    {
      "fips": "37155",
      "state": "NC",
      "county": "Robeson",
      "county_slug": "robeson",
      "label": "Robeson County",
      "year": 2025,
      "lenders": 216,
      "originations": 1360,
      "denied": 1071,
      "denial_share": 0.4158,
      "top_denial_reason": 3,
      "top_denial_share": 0.4299
    },
    {
      "fips": "01047",
      "state": "AL",
      "county": "Dallas",
      "county_slug": "dallas",
      "label": "Dallas County",
      "year": 2025,
      "lenders": 127,
      "originations": 322,
      "denied": 253,
      "denial_share": 0.4148,
      "top_denial_reason": 3,
      "top_denial_share": 0.4
    },
    {
      "fips": "21235",
      "state": "KY",
      "county": "Whitley",
      "county_slug": "whitley",
      "label": "Whitley County",
      "year": 2025,
      "lenders": 127,
      "originations": 547,
      "denied": 421,
      "denial_share": 0.4132,
      "top_denial_reason": 3,
      "top_denial_share": 0.4679
    },
    {
      "fips": "48419",
      "state": "TX",
      "county": "Shelby",
      "county_slug": "shelby",
      "label": "Shelby County",
      "year": 2025,
      "lenders": 111,
      "originations": 233,
      "denied": 206,
      "denial_share": 0.412,
      "top_denial_reason": 3,
      "top_denial_share": 0.4948
    },
    {
      "fips": "45067",
      "state": "SC",
      "county": "Marion",
      "county_slug": "marion",
      "label": "Marion County",
      "year": 2025,
      "lenders": 145,
      "originations": 358,
      "denied": 280,
      "denial_share": 0.4118,
      "top_denial_reason": 3,
      "top_denial_share": 0.4086
    },
    {
      "fips": "48001",
      "state": "TX",
      "county": "Anderson",
      "county_slug": "anderson",
      "label": "Anderson County",
      "year": 2025,
      "lenders": 180,
      "originations": 579,
      "denied": 467,
      "denial_share": 0.4104,
      "top_denial_reason": 3,
      "top_denial_share": 0.4795
    },
    {
      "fips": "45029",
      "state": "SC",
      "county": "Colleton",
      "county_slug": "colleton",
      "label": "Colleton County",
      "year": 2025,
      "lenders": 208,
      "originations": 710,
      "denied": 526,
      "denial_share": 0.4062,
      "top_denial_reason": 3,
      "top_denial_share": 0.4379
    },
    {
      "fips": "48219",
      "state": "TX",
      "county": "Hockley",
      "county_slug": "hockley",
      "label": "Hockley County",
      "year": 2025,
      "lenders": 109,
      "originations": 312,
      "denied": 233,
      "denial_share": 0.4059,
      "top_denial_reason": 3,
      "top_denial_share": 0.5751
    },
    {
      "fips": "12039",
      "state": "FL",
      "county": "Gadsden",
      "county_slug": "gadsden",
      "label": "Gadsden County",
      "year": 2025,
      "lenders": 179,
      "originations": 491,
      "denied": 389,
      "denial_share": 0.4056,
      "top_denial_reason": 3,
      "top_denial_share": 0.4407
    },
    {
      "fips": "48373",
      "state": "TX",
      "county": "Polk",
      "county_slug": "polk",
      "label": "Polk County",
      "year": 2025,
      "lenders": 253,
      "originations": 676,
      "denied": 537,
      "denial_share": 0.4035,
      "top_denial_reason": 3,
      "top_denial_share": 0.4283
    },
    {
      "fips": "12063",
      "state": "FL",
      "county": "Jackson",
      "county_slug": "jackson",
      "label": "Jackson County",
      "year": 2025,
      "lenders": 170,
      "originations": 647,
      "denied": 470,
      "denial_share": 0.401,
      "top_denial_reason": 3,
      "top_denial_share": 0.3991
    },
    {
      "fips": "22069",
      "state": "LA",
      "county": "Natchitoches Parish",
      "county_slug": "natchitoches-parish",
      "label": "Natchitoches Parish",
      "year": 2025,
      "lenders": 116,
      "originations": 391,
      "denied": 293,
      "denial_share": 0.4003,
      "top_denial_reason": 3,
      "top_denial_share": 0.4783
    },
    {
      "fips": "54045",
      "state": "WV",
      "county": "Logan",
      "county_slug": "logan",
      "label": "Logan County",
      "year": 2025,
      "lenders": 78,
      "originations": 285,
      "denied": 208,
      "denial_share": 0.3969,
      "top_denial_reason": 3,
      "top_denial_share": 0.4808
    },
    {
      "fips": "22101",
      "state": "LA",
      "county": "St. Mary Parish",
      "county_slug": "st-mary-parish",
      "label": "St. Mary Parish",
      "year": 2025,
      "lenders": 117,
      "originations": 416,
      "denied": 312,
      "denial_share": 0.3964,
      "top_denial_reason": 3,
      "top_denial_share": 0.4558
    },
    {
      "fips": "37083",
      "state": "NC",
      "county": "Halifax",
      "county_slug": "halifax",
      "label": "Halifax County",
      "year": 2025,
      "lenders": 164,
      "originations": 540,
      "denied": 376,
      "denial_share": 0.3954,
      "top_denial_reason": 3,
      "top_denial_share": 0.4654
    },
    {
      "fips": "48241",
      "state": "TX",
      "county": "Jasper",
      "county_slug": "jasper",
      "label": "Jasper County",
      "year": 2025,
      "lenders": 152,
      "originations": 528,
      "denied": 410,
      "denial_share": 0.395,
      "top_denial_reason": 3,
      "top_denial_share": 0.5792
    },
    {
      "fips": "21115",
      "state": "KY",
      "county": "Johnson",
      "county_slug": "johnson",
      "label": "Johnson County",
      "year": 2025,
      "lenders": 104,
      "originations": 287,
      "denied": 208,
      "denial_share": 0.3947,
      "top_denial_reason": 3,
      "top_denial_share": 0.4369
    },
    {
      "fips": "04001",
      "state": "AZ",
      "county": "Apache",
      "county_slug": "apache",
      "label": "Apache County",
      "year": 2025,
      "lenders": 149,
      "originations": 459,
      "denied": 333,
      "denial_share": 0.3941,
      "top_denial_reason": 3,
      "top_denial_share": 0.3303
    },
    {
      "fips": "22097",
      "state": "LA",
      "county": "St. Landry Parish",
      "county_slug": "st-landry-parish",
      "label": "St. Landry Parish",
      "year": 2025,
      "lenders": 187,
      "originations": 1013,
      "denied": 755,
      "denial_share": 0.3934,
      "top_denial_reason": 3,
      "top_denial_share": 0.4873
    },
    {
      "fips": "48161",
      "state": "TX",
      "county": "Freestone",
      "county_slug": "freestone",
      "label": "Freestone County",
      "year": 2025,
      "lenders": 126,
      "originations": 308,
      "denied": 221,
      "denial_share": 0.3918,
      "top_denial_reason": 3,
      "top_denial_share": 0.4471
    },
    {
      "fips": "37017",
      "state": "NC",
      "county": "Bladen",
      "county_slug": "bladen",
      "label": "Bladen County",
      "year": 2025,
      "lenders": 136,
      "originations": 396,
      "denied": 277,
      "denial_share": 0.3912,
      "top_denial_reason": 3,
      "top_denial_share": 0.3855
    },
    {
      "fips": "48365",
      "state": "TX",
      "county": "Panola",
      "county_slug": "panola",
      "label": "Panola County",
      "year": 2025,
      "lenders": 126,
      "originations": 276,
      "denied": 204,
      "denial_share": 0.3908,
      "top_denial_reason": 3,
      "top_denial_share": 0.4216
    },
    {
      "fips": "48165",
      "state": "TX",
      "county": "Gaines",
      "county_slug": "gaines",
      "label": "Gaines County",
      "year": 2025,
      "lenders": 140,
      "originations": 451,
      "denied": 312,
      "denial_share": 0.3905,
      "top_denial_reason": 3,
      "top_denial_share": 0.487
    },
    {
      "fips": "48013",
      "state": "TX",
      "county": "Atascosa",
      "county_slug": "atascosa",
      "label": "Atascosa County",
      "year": 2025,
      "lenders": 211,
      "originations": 872,
      "denied": 639,
      "denial_share": 0.3899,
      "top_denial_reason": 3,
      "top_denial_share": 0.4147
    },
    {
      "fips": "21125",
      "state": "KY",
      "county": "Laurel",
      "county_slug": "laurel",
      "label": "Laurel County",
      "year": 2025,
      "lenders": 162,
      "originations": 1050,
      "denied": 743,
      "denial_share": 0.3896,
      "top_denial_reason": 3,
      "top_denial_share": 0.4443
    },
    {
      "fips": "28029",
      "state": "MS",
      "county": "Copiah",
      "county_slug": "copiah",
      "label": "Copiah County",
      "year": 2025,
      "lenders": 94,
      "originations": 316,
      "denied": 224,
      "denial_share": 0.3882,
      "top_denial_reason": 3,
      "top_denial_share": 0.4955
    },
    {
      "fips": "22111",
      "state": "LA",
      "county": "Union Parish",
      "county_slug": "union-parish",
      "label": "Union Parish",
      "year": 2025,
      "lenders": 103,
      "originations": 305,
      "denied": 227,
      "denial_share": 0.3861,
      "top_denial_reason": 3,
      "top_denial_share": 0.5111
    },
    {
      "fips": "48407",
      "state": "TX",
      "county": "San Jacinto",
      "county_slug": "san-jacinto",
      "label": "San Jacinto County",
      "year": 2025,
      "lenders": 196,
      "originations": 554,
      "denied": 406,
      "denial_share": 0.3845,
      "top_denial_reason": 3,
      "top_denial_share": 0.479
    },
    {
      "fips": "22085",
      "state": "LA",
      "county": "Sabine Parish",
      "county_slug": "sabine-parish",
      "label": "Sabine Parish",
      "year": 2025,
      "lenders": 136,
      "originations": 370,
      "denied": 284,
      "denial_share": 0.3838,
      "top_denial_reason": 3,
      "top_denial_share": 0.4833
    },
    {
      "fips": "12121",
      "state": "FL",
      "county": "Suwannee",
      "county_slug": "suwannee",
      "label": "Suwannee County",
      "year": 2025,
      "lenders": 182,
      "originations": 690,
      "denied": 473,
      "denial_share": 0.3833,
      "top_denial_reason": 3,
      "top_denial_share": 0.3467
    },
    {
      "fips": "22095",
      "state": "LA",
      "county": "St. John the Baptist Parish",
      "county_slug": "st-john-the-baptist-parish",
      "label": "St. John the Baptist Parish",
      "year": 2025,
      "lenders": 148,
      "originations": 474,
      "denied": 323,
      "denial_share": 0.3832,
      "top_denial_reason": 3,
      "top_denial_share": 0.3505
    },
    {
      "fips": "37117",
      "state": "NC",
      "county": "Martin",
      "county_slug": "martin",
      "label": "Martin County",
      "year": 2025,
      "lenders": 105,
      "originations": 295,
      "denied": 198,
      "denial_share": 0.383,
      "top_denial_reason": 3,
      "top_denial_share": 0.4091
    },
    {
      "fips": "28001",
      "state": "MS",
      "county": "Adams",
      "county_slug": "adams",
      "label": "Adams County",
      "year": 2025,
      "lenders": 100,
      "originations": 298,
      "denied": 212,
      "denial_share": 0.3827,
      "top_denial_reason": 3,
      "top_denial_share": 0.465
    },
    {
      "fips": "37047",
      "state": "NC",
      "county": "Columbus",
      "county_slug": "columbus",
      "label": "Columbus County",
      "year": 2025,
      "lenders": 203,
      "originations": 785,
      "denied": 532,
      "denial_share": 0.3825,
      "top_denial_reason": 3,
      "top_denial_share": 0.4192
    },
    {
      "fips": "05027",
      "state": "AR",
      "county": "Columbia",
      "county_slug": "columbia",
      "label": "Columbia County",
      "year": 2025,
      "lenders": 98,
      "originations": 278,
      "denied": 196,
      "denial_share": 0.3806,
      "top_denial_reason": 3,
      "top_denial_share": 0.5436
    },
    {
      "fips": "54099",
      "state": "WV",
      "county": "Wayne",
      "county_slug": "wayne",
      "label": "Wayne County",
      "year": 2025,
      "lenders": 99,
      "originations": 485,
      "denied": 323,
      "denial_share": 0.3791,
      "top_denial_reason": 3,
      "top_denial_share": 0.4858
    },
    {
      "fips": "37153",
      "state": "NC",
      "county": "Richmond",
      "county_slug": "richmond",
      "label": "Richmond County",
      "year": 2025,
      "lenders": 147,
      "originations": 597,
      "denied": 386,
      "denial_share": 0.3781,
      "top_denial_reason": 3,
      "top_denial_share": 0.4067
    },
    {
      "fips": "48289",
      "state": "TX",
      "county": "Leon",
      "county_slug": "leon",
      "label": "Leon County",
      "year": 2025,
      "lenders": 141,
      "originations": 279,
      "denied": 204,
      "denial_share": 0.3736,
      "top_denial_reason": 3,
      "top_denial_share": 0.4378
    },
    {
      "fips": "12075",
      "state": "FL",
      "county": "Levy",
      "county_slug": "levy",
      "label": "Levy County",
      "year": 2025,
      "lenders": 231,
      "originations": 1016,
      "denied": 650,
      "denial_share": 0.3729,
      "top_denial_reason": 1,
      "top_denial_share": 0.3102
    },
    {
      "fips": "01007",
      "state": "AL",
      "county": "Bibb",
      "county_slug": "bibb",
      "label": "Bibb County",
      "year": 2025,
      "lenders": 120,
      "originations": 299,
      "denied": 206,
      "denial_share": 0.3718,
      "top_denial_reason": 3,
      "top_denial_share": 0.4901
    },
    {
      "fips": "05059",
      "state": "AR",
      "county": "Hot Spring",
      "county_slug": "hot-spring",
      "label": "Hot Spring County",
      "year": 2025,
      "lenders": 145,
      "originations": 597,
      "denied": 396,
      "denial_share": 0.3715,
      "top_denial_reason": 3,
      "top_denial_share": 0.434
    },
    {
      "fips": "05103",
      "state": "AR",
      "county": "Ouachita",
      "county_slug": "ouachita",
      "label": "Ouachita County",
      "year": 2025,
      "lenders": 94,
      "originations": 330,
      "denied": 225,
      "denial_share": 0.3713,
      "top_denial_reason": 3,
      "top_denial_share": 0.4509
    },
    {
      "fips": "48249",
      "state": "TX",
      "county": "Jim Wells",
      "county_slug": "jim-wells",
      "label": "Jim Wells County",
      "year": 2025,
      "lenders": 137,
      "originations": 331,
      "denied": 227,
      "denial_share": 0.3709,
      "top_denial_reason": 3,
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      "county": "Rutherford",
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      "originations": 1345,
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      "county": "Bandera",
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      "top_denial_share": 0.33
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      "top_denial_share": 0.3363
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  ]
}