Franklin County
Missouri · FIPS 29071
According to CFPB HMDA 2024 application volume among U.S. counties, Franklin County ranks #602 of 3,210, and #13 of 115 in Missouri.
Mortgage lending activity in Franklin 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. Franklin County, Missouri saw 3,878 HMDA-reported mortgage applications in 2024. Lenders originated 2,218 of those loans and denied 529, producing a denial rate of 13.6% and an approval (origination) rate of 57.2%. The average loan amount was $203,801 at an average note rate of 7.06%, with applicants self-reporting average annual income of $36K. 176 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 Franklin County
In Franklin County, lead originator Guild Mortgage Company funded only 7.1% of 2,218 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Franklin County's 3,878 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Franklin County's $203,801 average loan (deduped against volume peers).
Lenders active in Franklin County
Guild Mortgage Company funded 158 of the 2,218 loans originated in Franklin County, 7.1% of the county. 176 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 158 | 7.1% |
| 2 | Sullivan Bank | 153 | 6.9% |
| 3 | United Bank of Union | 121 | 5.5% |
| 4 | First State Community Bank | 112 | 5.0% |
| 5 | Bank of Washington | 99 | 4.5% |
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; does not constitute financial advice for Franklin County borrowers.
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 Franklin County 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. 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.