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2024 data HMDA 2024 disclosure official source

Dunklin County

539 mortgage applications, 18.9% denial rate. Verify FIPS 29069 with U.S. Census Bureau →

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Missouri · FIPS 29069

Local mortgage market. Dunklin County, Missouri saw 539 HMDA-reported mortgage applications in 2024. Lenders originated 229 of those loans and denied 102, producing a denial rate of 18.9% and an approval (origination) rate of 42.5%. The average loan amount was $124,777 at an average note rate of 7.03%, with applicants self-reporting average annual income of $36K. 57 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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.

FIPS 29069 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

539
Applications
229
Originated
18.9%
Denial Rate
42.5%
Approval Rate
$124,777
Avg Loan Amount
7.03%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Dunklin 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 Das Acquisition Company, LLC 60 26.2%
2 Southern Bank 25 10.9%
3 Rocket Mortgage 21 9.2%
4 Flanagan State Bank 14 6.1%
5 First State Community Bank 12 5.2%
Compare Das Acquisition Company, LLC vs Southern Bank →

Frequently Asked Questions

How many mortgage applications were filed in Dunklin County?
In the 2024 HMDA reporting year, 539 mortgage applications were filed in Dunklin County, Missouri. Of these, 229 were originated (approved and funded), while 102 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Dunklin County?
The mortgage denial rate in Dunklin County is 18.9%. The approval (origination) rate is 42.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dunklin County?
The average mortgage loan amount in Dunklin County is $124,777. The average interest rate is 7.031%. The average applicant income is $36K.
What is the loan-to-income ratio in Dunklin County?
The average loan-to-income ratio in Dunklin County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dunklin County?
The top mortgage lenders in Dunklin County by origination volume are Das Acquisition Company, LLC, Southern Bank, Rocket Mortgage. In total, 57 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.