Daviess County
Missouri · FIPS 29061
According to CFPB HMDA 2024 application volume among U.S. counties, Daviess County ranks #2,520 of 3,223, and #92 of 115 in Missouri.
Mortgage lending activity in Daviess 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. Daviess County, Missouri lenders denied 38 of the applications reported here, financing the rest at an average note rate of 6.92%, with applicants self-reporting average annual income of $36K. 58 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Daviess County
In Daviess County, lead originator BTC Bank funded 23.6% of 144 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 34.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Daviess County's 228 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Daviess County's $204,561 average loan (deduped against volume peers).
Lenders active in Daviess County
BTC Bank funded 34 of the 144 loans originated in Daviess County, 23.6% of the county. 58 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | BTC Bank | 34 | 23.6% |
| 2 | Fairway Independent Mort CORP | 9 | 6.3% |
| 3 | Bank Northwest | 6 | 4.2% |
| 4 | The Hamilton Bank | 6 | 4.2% |
| 5 | Farmers State Bank | 5 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Daviess 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 Daviess 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.