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2024 data HMDA 2024 disclosure official source

Miller County

1,040 mortgage applications, 18.2% denial rate. Verify FIPS 29131 with U.S. Census Bureau →

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Missouri · FIPS 29131

Local mortgage market. Miller County, Missouri saw 1,040 HMDA-reported mortgage applications in 2024. Lenders originated 536 of those loans and denied 189, producing a denial rate of 18.2% and an approval (origination) rate of 51.5%. The average loan amount was $190,462 at an average note rate of 7.01%, with applicants self-reporting average annual income of $37K. 98 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 29131 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,040
Applications
536
Originated
18.2%
Denial Rate
51.5%
Approval Rate
$190,462
Avg Loan Amount
7.01%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Miller 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 The Central Trust Bank 132 24.6%
2 Flat Branch Mortgage, INC. 60 11.2%
3 Mid America Bank 31 5.8%
4 Rocket Mortgage 23 4.3%
5 River Region Community Federal Credit Union 21 3.9%
Compare The Central Trust Bank vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Miller County?
In the 2024 HMDA reporting year, 1,040 mortgage applications were filed in Miller County, Missouri. Of these, 536 were originated (approved and funded), while 189 were denied, resulting in a denial rate of 18.2%.
What is the mortgage denial rate in Miller County?
The mortgage denial rate in Miller County is 18.2%. The approval (origination) rate is 51.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Miller County?
The average mortgage loan amount in Miller County is $190,462. The average interest rate is 7.011%. The average applicant income is $37K.
What is the loan-to-income ratio in Miller County?
The average loan-to-income ratio in Miller County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Miller County?
The top mortgage lenders in Miller County by origination volume are The Central Trust Bank, Flat Branch Mortgage, INC., Mid America Bank. In total, 98 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.