PlainLender
2024 data HMDA 2024 disclosure official source

Oregon County

246 mortgage applications, 10.6% denial rate. Verify FIPS 29149 with U.S. Census Bureau →

PlainLender home → About this data

Missouri · FIPS 29149

Local mortgage market. Oregon County, Missouri saw 246 HMDA-reported mortgage applications in 2024. Lenders originated 144 of those loans and denied 26, producing a denial rate of 10.6% and an approval (origination) rate of 58.5%. The average loan amount was $136,585 at an average note rate of 7.22%, with applicants self-reporting average annual income of $32K. 33 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.

FIPS 29149 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

246
Applications
144
Originated
10.6%
Denial Rate
58.5%
Approval Rate
$136,585
Avg Loan Amount
7.22%
Avg Interest Rate
$32K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Oregon 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 Southern Bank 50 34.7%
2 Das Acquisition Company, LLC 33 22.9%
3 FNBC Bank 8 5.6%
4 Rocket Mortgage 8 5.6%
5 Click n' Close, Inc. 6 4.2%
Compare Southern Bank vs Das Acquisition Company, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Oregon County?
In the 2024 HMDA reporting year, 246 mortgage applications were filed in Oregon County, Missouri. Of these, 144 were originated (approved and funded), while 26 were denied, resulting in a denial rate of 10.6%.
What is the mortgage denial rate in Oregon County?
The mortgage denial rate in Oregon County is 10.6%. The approval (origination) rate is 58.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Oregon County?
The average mortgage loan amount in Oregon County is $136,585. The average interest rate is 7.222%. The average applicant income is $32K.
What is the loan-to-income ratio in Oregon County?
The average loan-to-income ratio in Oregon County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Oregon County?
The top mortgage lenders in Oregon County by origination volume are Southern Bank, Das Acquisition Company, LLC, FNBC Bank. In total, 33 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.