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2024 data HMDA 2024 disclosure official source

Buchanan County

3,104 mortgage applications, 13.4% denial rate. Verify FIPS 29021 with U.S. Census Bureau →

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Missouri · FIPS 29021

Local mortgage market. Buchanan County, Missouri saw 3,104 HMDA-reported mortgage applications in 2024. Lenders originated 1,780 of those loans and denied 416, producing a denial rate of 13.4% and an approval (origination) rate of 57.3%. The average loan amount was $163,241 at an average note rate of 6.91%, with applicants self-reporting average annual income of $36K. 168 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 29021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,104
Applications
1,780
Originated
13.4%
Denial Rate
57.3%
Approval Rate
$163,241
Avg Loan Amount
6.91%
Avg Interest Rate
$36K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Buchanan 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 Fairway Independent Mort CORP 242 13.6%
2 PRIMELENDING 170 9.6%
3 The Nodaway Valley Bank 151 8.5%
4 Rocket Mortgage 126 7.1%
5 Us Bank, N.A. 91 5.1%
Compare Fairway Independent Mort CORP vs PRIMELENDING →

Frequently Asked Questions

How many mortgage applications were filed in Buchanan County?
In the 2024 HMDA reporting year, 3,104 mortgage applications were filed in Buchanan County, Missouri. Of these, 1,780 were originated (approved and funded), while 416 were denied, resulting in a denial rate of 13.4%.
What is the mortgage denial rate in Buchanan County?
The mortgage denial rate in Buchanan County is 13.4%. The approval (origination) rate is 57.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Buchanan County?
The average mortgage loan amount in Buchanan County is $163,241. The average interest rate is 6.912%. The average applicant income is $36K.
What is the loan-to-income ratio in Buchanan County?
The average loan-to-income ratio in Buchanan County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Buchanan County?
The top mortgage lenders in Buchanan County by origination volume are Fairway Independent Mort CORP, PRIMELENDING, The Nodaway Valley Bank. In total, 168 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.