Caldwell County
Missouri · FIPS 29025
According to CFPB HMDA 2024 application volume among U.S. counties, Caldwell County ranks #2,257 of 3,210, and #77 of 115 in Missouri.
Mortgage lending activity in Caldwell 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. Caldwell County, Missouri saw 352 HMDA-reported mortgage applications in 2024. Lenders originated 190 of those loans and denied 56, producing a denial rate of 15.9% and an approval (origination) rate of 54.0%. The average loan amount was $177,784 at an average note rate of 6.74%, with applicants self-reporting average annual income of $35K. 58 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 Caldwell County
In Caldwell County, lead originator The Hamilton Bank funded 12.1% of 190 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Caldwell County's 352 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Caldwell County's $177,784 average loan (deduped against volume peers).
Lenders active in Caldwell County
The Hamilton Bank funded 23 of the 190 loans originated in Caldwell County, 12.1% of the county. 58 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Hamilton Bank | 23 | 12.1% |
| 2 | Bank Northwest | 19 | 10.0% |
| 3 | Farmers State Bank | 14 | 7.4% |
| 4 | BTC Bank | 11 | 5.8% |
| 5 | NBH Bank | 9 | 4.7% |
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 Caldwell 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 Caldwell 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.