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2024 data HMDA 2024 disclosure official source

Barry County

1,201 mortgage applications, 17.6% denial rate. Verify FIPS 29009 with U.S. Census Bureau →

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Missouri · FIPS 29009

Local mortgage market. Barry County, Missouri saw 1,201 HMDA-reported mortgage applications in 2024. Lenders originated 633 of those loans and denied 212, producing a denial rate of 17.6% and an approval (origination) rate of 52.7%. The average loan amount was $171,503 at an average note rate of 7.18%, with applicants self-reporting average annual income of $36K. 126 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 29009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,201
Applications
633
Originated
17.6%
Denial Rate
52.7%
Approval Rate
$171,503
Avg Loan Amount
7.18%
Avg Interest Rate
$36K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Barry 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 Freedom Bank of Southern Missouri 130 20.5%
2 Rocket Mortgage 62 9.8%
3 Arvest Bank 58 9.2%
4 Flat Branch Mortgage, INC. 40 6.3%
5 CS Bank 21 3.3%
Compare Freedom Bank of Southern Missouri vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Barry County?
In the 2024 HMDA reporting year, 1,201 mortgage applications were filed in Barry County, Missouri. Of these, 633 were originated (approved and funded), while 212 were denied, resulting in a denial rate of 17.6%.
What is the mortgage denial rate in Barry County?
The mortgage denial rate in Barry County is 17.6%. The approval (origination) rate is 52.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barry County?
The average mortgage loan amount in Barry County is $171,503. The average interest rate is 7.182%. The average applicant income is $36K.
What is the loan-to-income ratio in Barry County?
The average loan-to-income ratio in Barry County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barry County?
The top mortgage lenders in Barry County by origination volume are Freedom Bank of Southern Missouri, Rocket Mortgage, Arvest Bank. In total, 126 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.