Barry County
Missouri · FIPS 29009
According to CFPB HMDA 2024 application volume among U.S. counties, Barry County ranks #1,279 of 3,223, and #35 of 115 in Missouri.
Mortgage lending activity in Barry 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. Barry County, Missouri lenders denied 212 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Barry County
In Barry County, lead originator Freedom Bank of Southern Missouri funded 20.5% of 633 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Barry County's 1,201 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Barry County's $171,503 average loan (deduped against volume peers).
Lenders active in Barry County
Freedom Bank of Southern Missouri funded 130 of the 633 loans originated in Barry County, 20.5% of the county. 126 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Barry County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Barry County borrowers. 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.