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2024 data HMDA 2024 disclosure official source

Carroll County

189 mortgage applications, 16.9% denial rate. Verify FIPS 29033 with U.S. Census Bureau →

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Missouri · FIPS 29033

Local mortgage market. Carroll County, Missouri saw 189 HMDA-reported mortgage applications in 2024. Lenders originated 103 of those loans and denied 32, producing a denial rate of 16.9% and an approval (origination) rate of 54.5%. The average loan amount was $140,820 at an average note rate of 6.79%, with applicants self-reporting average annual income of $34K. 33 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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.

FIPS 29033 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

189
Applications
103
Originated
16.9%
Denial Rate
54.5%
Approval Rate
$140,820
Avg Loan Amount
6.79%
Avg Interest Rate
$34K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Carroll 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 BTC Bank 32 31.1%
2 Community Banc Mortgage CORP 11 10.7%
3 Flat Branch Mortgage, INC. 11 10.7%
4 Rocket Mortgage 5 4.9%
5 NBH Bank 4 3.9%
Compare BTC Bank vs Community Banc Mortgage CORP →

Frequently Asked Questions

How many mortgage applications were filed in Carroll County?
In the 2024 HMDA reporting year, 189 mortgage applications were filed in Carroll County, Missouri. Of these, 103 were originated (approved and funded), while 32 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Carroll County?
The mortgage denial rate in Carroll County is 16.9%. The approval (origination) rate is 54.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Carroll County?
The average mortgage loan amount in Carroll County is $140,820. The average interest rate is 6.790%. The average applicant income is $34K.
What is the loan-to-income ratio in Carroll County?
The average loan-to-income ratio in Carroll County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Carroll County?
The top mortgage lenders in Carroll County by origination volume are BTC Bank, Community Banc Mortgage CORP, Flat Branch Mortgage, INC.. In total, 33 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.