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2024 data HMDA 2024 disclosure official source

Moniteau County

522 mortgage applications, 16.1% denial rate. Verify FIPS 29135 with U.S. Census Bureau →

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Missouri · FIPS 29135

Local mortgage market. Moniteau County, Missouri saw 522 HMDA-reported mortgage applications in 2024. Lenders originated 295 of those loans and denied 84, producing a denial rate of 16.1% and an approval (origination) rate of 56.5%. The average loan amount was $166,743 at an average note rate of 6.93%, with applicants self-reporting average annual income of $37K. 58 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 29135 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

522
Applications
295
Originated
16.1%
Denial Rate
56.5%
Approval Rate
$166,743
Avg Loan Amount
6.93%
Avg Interest Rate
$37K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Moniteau 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 56 19.0%
2 Peoples Bank of Moniteau County 27 9.2%
3 Flat Branch Mortgage, INC. 25 8.5%
4 Commerce Bank 24 8.1%
5 River Region Community Federal Credit Union 17 5.8%
Compare The Central Trust Bank vs Peoples Bank of Moniteau County →

Frequently Asked Questions

How many mortgage applications were filed in Moniteau County?
In the 2024 HMDA reporting year, 522 mortgage applications were filed in Moniteau County, Missouri. Of these, 295 were originated (approved and funded), while 84 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Moniteau County?
The mortgage denial rate in Moniteau County is 16.1%. The approval (origination) rate is 56.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Moniteau County?
The average mortgage loan amount in Moniteau County is $166,743. The average interest rate is 6.931%. The average applicant income is $37K.
What is the loan-to-income ratio in Moniteau County?
The average loan-to-income ratio in Moniteau County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Moniteau County?
The top mortgage lenders in Moniteau County by origination volume are The Central Trust Bank, Peoples Bank of Moniteau County, Flat Branch Mortgage, INC.. In total, 58 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.