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2024 data HMDA 2024 disclosure official source

Greene County

12,194 mortgage applications, 12.2% denial rate. Verify FIPS 29077 with U.S. Census Bureau →

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Missouri · FIPS 29077

Local mortgage market. Greene County, Missouri saw 12,194 HMDA-reported mortgage applications in 2024. Lenders originated 6,847 of those loans and denied 1,486, producing a denial rate of 12.2% and an approval (origination) rate of 56.2%. The average loan amount was $217,389 at an average note rate of 7.04%, with applicants self-reporting average annual income of $37K. 273 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 29077 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

12,194
Applications
6,847
Originated
12.2%
Denial Rate
56.2%
Approval Rate
$217,389
Avg Loan Amount
7.04%
Avg Interest Rate
$37K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Greene 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 Flat Branch Mortgage, INC. 410 6.0%
2 Rocket Mortgage 382 5.6%
3 The Central Trust Bank 332 4.8%
4 Great Southern Bank 323 4.7%
5 Arvest Bank 285 4.2%
Compare Flat Branch Mortgage, INC. vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Greene County?
In the 2024 HMDA reporting year, 12,194 mortgage applications were filed in Greene County, Missouri. Of these, 6,847 were originated (approved and funded), while 1,486 were denied, resulting in a denial rate of 12.2%.
What is the mortgage denial rate in Greene County?
The mortgage denial rate in Greene County is 12.2%. The approval (origination) rate is 56.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greene County?
The average mortgage loan amount in Greene County is $217,389. The average interest rate is 7.035%. The average applicant income is $37K.
What is the loan-to-income ratio in Greene County?
The average loan-to-income ratio in Greene County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Greene County?
The top mortgage lenders in Greene County by origination volume are Flat Branch Mortgage, INC., Rocket Mortgage, The Central Trust Bank. In total, 273 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.