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2024 data HMDA 2024 disclosure official source

Gasconade County

427 mortgage applications, 16.9% denial rate. Verify FIPS 29073 with U.S. Census Bureau →

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Missouri · FIPS 29073

Local mortgage market. Gasconade County, Missouri saw 427 HMDA-reported mortgage applications in 2024. Lenders originated 220 of those loans and denied 72, producing a denial rate of 16.9% and an approval (origination) rate of 51.5%. The average loan amount was $167,927 at an average note rate of 7.19%, 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 4.7x, meaning typical borrowers took on mortgages of about 4.7 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.

FIPS 29073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

427
Applications
220
Originated
16.9%
Denial Rate
51.5%
Approval Rate
$167,927
Avg Loan Amount
7.19%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Gasconade 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 First State Community Bank 39 17.7%
2 The Central Trust Bank 23 10.5%
3 The Maries County Bank 18 8.2%
4 Guild Mortgage Company 13 5.9%
5 Flat Branch Mortgage, INC. 12 5.5%
Compare First State Community Bank vs The Central Trust Bank →

Frequently Asked Questions

How many mortgage applications were filed in Gasconade County?
In the 2024 HMDA reporting year, 427 mortgage applications were filed in Gasconade County, Missouri. Of these, 220 were originated (approved and funded), while 72 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Gasconade County?
The mortgage denial rate in Gasconade County is 16.9%. The approval (origination) rate is 51.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gasconade County?
The average mortgage loan amount in Gasconade County is $167,927. The average interest rate is 7.188%. The average applicant income is $36K.
What is the loan-to-income ratio in Gasconade County?
The average loan-to-income ratio in Gasconade County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gasconade County?
The top mortgage lenders in Gasconade County by origination volume are First State Community Bank, The Central Trust Bank, The Maries County Bank. 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.