Andrew County
Missouri · FIPS 29003
According to CFPB HMDA 2024 application volume among U.S. counties, Andrew County ranks #1,885 of 3,210, and #59 of 115 in Missouri.
Mortgage lending activity in Andrew County, Missouri 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. Andrew County, Missouri saw 590 HMDA-reported mortgage applications in 2024. Lenders originated 333 of those loans and denied 80, producing a denial rate of 13.6% and an approval (origination) rate of 56.4%. The average loan amount was $192,271 at an average note rate of 6.94%, with applicants self-reporting average annual income of $36K. 81 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 Andrew County
In Andrew County, lead originator Fairway Independent Mort CORP funded only 9.6% of 333 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 27.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Andrew County's 590 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Andrew County's $192,271 average loan (deduped against volume peers).
Lenders active in Andrew County
Fairway Independent Mort CORP funded 32 of the 333 loans originated in Andrew County, 9.6% of the county. 81 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Fairway Independent Mort CORP | 32 | 9.6% |
| 2 | Rocket Mortgage | 31 | 9.3% |
| 3 | The Nodaway Valley Bank | 28 | 8.4% |
| 4 | HNB National Bank | 26 | 7.8% |
| 5 | PRIMELENDING | 23 | 6.9% |
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 Andrew 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 Andrew 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.