Boone County
Missouri · FIPS 29019
According to CFPB HMDA 2024 application volume among U.S. counties, Boone County ranks #426 of 3,210, and #8 of 115 in Missouri.
Mortgage lending activity in Boone 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. Boone County, Missouri saw 6,236 HMDA-reported mortgage applications in 2024. Lenders originated 3,484 of those loans and denied 673, producing a denial rate of 10.8% and an approval (origination) rate of 55.9%. The average loan amount was $258,804 at an average note rate of 6.95%, with applicants self-reporting average annual income of $36K. 231 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.2x, meaning typical borrowers took on mortgages of about 7.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Boone County
In Boone County, lead originator The Central Trust Bank funded 16.9% of 3,484 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Boone County's 6,236 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Boone County's $258,804 average loan (deduped against volume peers).
Lenders active in Boone County
The Central Trust Bank funded 589 of the 3,484 loans originated in Boone County, 16.9% of the county. 231 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Central Trust Bank | 589 | 16.9% |
| 2 | Flat Branch Mortgage, INC. | 446 | 12.8% |
| 3 | River Region Community Federal Credit Union | 217 | 6.2% |
| 4 | Rocket Mortgage | 131 | 3.8% |
| 5 | Mortgage Research Center | 107 | 3.1% |
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 Boone 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 Boone 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.