Iron County
Missouri · FIPS 29093
According to CFPB HMDA 2024 application volume among U.S. counties, Iron County ranks #2,368 of 3,210, and #85 of 115 in Missouri.
Mortgage lending activity in Iron 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. Iron County, Missouri saw 297 HMDA-reported mortgage applications in 2024. Lenders originated 155 of those loans and denied 50, producing a denial rate of 16.8% and an approval (origination) rate of 52.2%. The average loan amount was $144,731 at an average note rate of 7.05%, with applicants self-reporting average annual income of $34K. 36 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 Iron County
In Iron County, lead originator First State Community Bank funded 19.4% of 155 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 51.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Iron County's 297 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Iron County's $144,731 average loan (deduped against volume peers).
Lenders active in Iron County
First State Community Bank funded 30 of the 155 loans originated in Iron County, 19.4% of the county. 36 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First State Community Bank | 30 | 19.4% |
| 2 | Ozarks Federal Savings and Loan | 25 | 16.1% |
| 3 | Guild Mortgage Company | 24 | 15.5% |
| 4 | Rocket Mortgage | 10 | 6.5% |
| 5 | Flat Branch Mortgage, INC. | 7 | 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 Iron 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 Iron 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.