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2024 data HMDA 2024 disclosure official source

Adair County

624 mortgage applications, 15.4% denial rate. Verify FIPS 29001 with U.S. Census Bureau →

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Missouri · FIPS 29001

Local mortgage market. Adair County, Missouri saw 624 HMDA-reported mortgage applications in 2024. Lenders originated 324 of those loans and denied 96, producing a denial rate of 15.4% and an approval (origination) rate of 51.9%. The average loan amount was $148,462 at an average note rate of 7.04%, with applicants self-reporting average annual income of $35K. 62 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 29001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

624
Applications
324
Originated
15.4%
Denial Rate
51.9%
Approval Rate
$148,462
Avg Loan Amount
7.04%
Avg Interest Rate
$35K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Adair 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 Alliant Bank 59 18.2%
2 Flat Branch Mortgage, INC. 35 10.8%
3 Rocket Mortgage 29 9.0%
4 Us Bank, N.A. 27 8.3%
5 Connections Bank 21 6.5%
Compare Alliant Bank vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Adair County?
In the 2024 HMDA reporting year, 624 mortgage applications were filed in Adair County, Missouri. Of these, 324 were originated (approved and funded), while 96 were denied, resulting in a denial rate of 15.4%.
What is the mortgage denial rate in Adair County?
The mortgage denial rate in Adair County is 15.4%. The approval (origination) rate is 51.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Adair County?
The average mortgage loan amount in Adair County is $148,462. The average interest rate is 7.043%. The average applicant income is $35K.
What is the loan-to-income ratio in Adair County?
The average loan-to-income ratio in Adair County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Adair County?
The top mortgage lenders in Adair County by origination volume are Alliant Bank, Flat Branch Mortgage, INC., Rocket Mortgage. In total, 62 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.