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2024 data HMDA 2024 disclosure official source

Carter County

157 mortgage applications, 11.5% denial rate. Verify FIPS 29035 with U.S. Census Bureau →

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Missouri · FIPS 29035

Local mortgage market. Carter County, Missouri saw 157 HMDA-reported mortgage applications in 2024. Lenders originated 87 of those loans and denied 18, producing a denial rate of 11.5% and an approval (origination) rate of 55.4%. The average loan amount was $189,013 at an average note rate of 7.18%, with applicants self-reporting average annual income of $37K. 26 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.

FIPS 29035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

157
Applications
87
Originated
11.5%
Denial Rate
55.4%
Approval Rate
$189,013
Avg Loan Amount
7.18%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Carter 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 Southern Bank 31 35.6%
2 First Midwest Bank of the Ozarks 11 12.6%
3 Das Acquisition Company, LLC 7 8.0%
4 Rocket Mortgage 5 5.7%
5 Flat Branch Mortgage, INC. 5 5.7%
Compare Southern Bank vs First Midwest Bank of the Ozarks →

Frequently Asked Questions

How many mortgage applications were filed in Carter County?
In the 2024 HMDA reporting year, 157 mortgage applications were filed in Carter County, Missouri. Of these, 87 were originated (approved and funded), while 18 were denied, resulting in a denial rate of 11.5%.
What is the mortgage denial rate in Carter County?
The mortgage denial rate in Carter County is 11.5%. The approval (origination) rate is 55.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Carter County?
The average mortgage loan amount in Carter County is $189,013. The average interest rate is 7.179%. The average applicant income is $37K.
What is the loan-to-income ratio in Carter County?
The average loan-to-income ratio in Carter County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Carter County?
The top mortgage lenders in Carter County by origination volume are Southern Bank, First Midwest Bank of the Ozarks, Das Acquisition Company, LLC. In total, 26 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.