Clinton County
Missouri · FIPS 29049
According to CFPB HMDA 2024 application volume among U.S. counties, Clinton County ranks #1,482 of 3,223, and #41 of 115 in Missouri.
Mortgage lending activity in Clinton 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. Clinton County, Missouri lenders denied 129 of the applications reported here, financing the rest at an average note rate of 6.76%, with applicants self-reporting average annual income of $36K. 110 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Clinton County
In Clinton County, lead originator Communityamerica Credit Union funded only 7.4% of 515 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Clinton County's 949 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clinton County's $197,856 average loan (deduped against volume peers).
Lenders active in Clinton County
Communityamerica Credit Union funded 38 of the 515 loans originated in Clinton County, 7.4% of the county. 110 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Communityamerica Credit Union | 38 | 7.4% |
| 2 | Rocket Mortgage | 30 | 5.8% |
| 3 | PRIMELENDING | 23 | 4.5% |
| 4 | Farmers State Bank | 23 | 4.5% |
| 5 | Fairway Independent Mort CORP | 23 | 4.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clinton County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Clinton County borrowers. 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.