Osage County
Missouri · FIPS 29151
According to CFPB HMDA 2024 application volume among U.S. counties, Osage County ranks #2,196 of 3,210, and #71 of 115 in Missouri.
Mortgage lending activity in Osage 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. Osage County, Missouri saw 381 HMDA-reported mortgage applications in 2024. Lenders originated 250 of those loans and denied 37, producing a denial rate of 9.7% and an approval (origination) rate of 65.6%. The average loan amount was $189,383 at an average note rate of 6.83%, with applicants self-reporting average annual income of $36K. 34 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 Osage County
In Osage County, lead originator Legends Bank funded 20.4% of 250 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 49.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Osage County's 381 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Osage County's $189,383 average loan (deduped against volume peers).
Lenders active in Osage County
Legends Bank funded 51 of the 250 loans originated in Osage County, 20.4% of the county. 34 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Legends Bank | 51 | 20.4% |
| 2 | Mid America Bank | 43 | 17.2% |
| 3 | The Central Trust Bank | 29 | 11.6% |
| 4 | Flat Branch Mortgage, INC. | 23 | 9.2% |
| 5 | River Region Community Federal Credit Union | 16 | 6.4% |
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 Osage 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 Osage 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.