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2024 data HMDA 2024 disclosure official source

Dallas County

652 mortgage applications, 15.3% denial rate. Verify FIPS 29059 with U.S. Census Bureau →

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Missouri · FIPS 29059

Local mortgage market. Dallas County, Missouri saw 652 HMDA-reported mortgage applications in 2024. Lenders originated 338 of those loans and denied 100, producing a denial rate of 15.3% and an approval (origination) rate of 51.8%. The average loan amount was $174,034 at an average note rate of 6.99%, with applicants self-reporting average annual income of $36K. 81 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 29059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

652
Applications
338
Originated
15.3%
Denial Rate
51.8%
Approval Rate
$174,034
Avg Loan Amount
6.99%
Avg Interest Rate
$36K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Dallas 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 Oakstar Bank 31 9.2%
2 Rocket Mortgage 22 6.5%
3 Flat Branch Mortgage, INC. 20 5.9%
4 BTC Bank 19 5.6%
5 Omb Bank 18 5.3%
Compare Oakstar Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Dallas County?
In the 2024 HMDA reporting year, 652 mortgage applications were filed in Dallas County, Missouri. Of these, 338 were originated (approved and funded), while 100 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Dallas County?
The mortgage denial rate in Dallas County is 15.3%. The approval (origination) rate is 51.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dallas County?
The average mortgage loan amount in Dallas County is $174,034. The average interest rate is 6.989%. The average applicant income is $36K.
What is the loan-to-income ratio in Dallas County?
The average loan-to-income ratio in Dallas County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dallas County?
The top mortgage lenders in Dallas County by origination volume are Oakstar Bank, Rocket Mortgage, Flat Branch Mortgage, INC.. In total, 81 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.