Cass County
Missouri · FIPS 29037
According to CFPB HMDA 2024 application volume among U.S. counties, Cass County ranks #482 of 3,210, and #9 of 115 in Missouri.
Mortgage lending activity in Cass 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. Cass County, Missouri saw 5,277 HMDA-reported mortgage applications in 2024. Lenders originated 2,890 of those loans and denied 695, producing a denial rate of 13.2% and an approval (origination) rate of 54.8%. The average loan amount was $244,373 at an average note rate of 6.93%, with applicants self-reporting average annual income of $37K. 241 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Cass County
In Cass County, lead originator Communityamerica Credit Union funded only 8.0% of 2,890 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cass County's 5,277 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cass County's $244,373 average loan (deduped against volume peers).
Lenders active in Cass County
Communityamerica Credit Union funded 231 of the 2,890 loans originated in Cass County, 8.0% of the county. 241 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Communityamerica Credit Union | 231 | 8.0% |
| 2 | Rocket Mortgage | 171 | 5.9% |
| 3 | Fairway Independent Mort CORP | 147 | 5.1% |
| 4 | Flat Branch Mortgage, INC. | 135 | 4.7% |
| 5 | Commerce Bank | 113 | 3.9% |
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 Cass 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 Cass 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.