Audrain County
Missouri · FIPS 29007
According to CFPB HMDA 2024 application volume among U.S. counties, Audrain County ranks #1,567 of 3,210, and #45 of 115 in Missouri.
Mortgage lending activity in Audrain 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. Audrain County, Missouri saw 845 HMDA-reported mortgage applications in 2024. Lenders originated 404 of those loans and denied 134, producing a denial rate of 15.9% and an approval (origination) rate of 47.8%. The average loan amount was $143,036 at an average note rate of 6.98%, with applicants self-reporting average annual income of $35K. 78 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Audrain County
In Audrain County, lead originator Flat Branch Mortgage, INC. funded 21.3% of 404 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Audrain County's 845 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Audrain County's $143,036 average loan (deduped against volume peers).
Lenders active in Audrain County
Flat Branch Mortgage, INC. funded 86 of the 404 loans originated in Audrain County, 21.3% of the county. 78 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, INC. | 86 | 21.3% |
| 2 | The Central Trust Bank | 58 | 14.4% |
| 3 | First State Community Bank | 31 | 7.7% |
| 4 | HOMEBANK | 21 | 5.2% |
| 5 | Rocket Mortgage | 17 | 4.2% |
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 Audrain 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 Audrain 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.