Cole County
Missouri · FIPS 29051
According to CFPB HMDA 2024 application volume among U.S. counties, Cole County ranks #749 of 3,223, and #17 of 115 in Missouri.
Mortgage lending activity in Cole 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. Cole County, Missouri lenders denied 241 of the applications reported here, financing the rest at an average note rate of 6.86%, with applicants self-reporting average annual income of $36K. 122 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Cole County
In Cole County, lead originator The Central Trust Bank funded 27.3% of 1,806 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 52.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Cole County's 2,889 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cole County's $194,315 average loan (deduped against volume peers).
Lenders active in Cole County
The Central Trust Bank funded 493 of the 1,806 loans originated in Cole County, 27.3% of the county. 122 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Central Trust Bank | 493 | 27.3% |
| 2 | Flat Branch Mortgage, INC. | 260 | 14.4% |
| 3 | River Region Community Federal Credit Union | 202 | 11.2% |
| 4 | United Wholesale Mortgage | 121 | 6.7% |
| 5 | Mortgage Research Center | 66 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Cole 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 Cole 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.