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2024 data HMDA 2024 disclosure official source

Osage County

381 mortgage applications, 9.7% denial rate. Verify FIPS 29151 with U.S. Census Bureau →

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Missouri · FIPS 29151

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.

FIPS 29151 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

381
Applications
250
Originated
9.7%
Denial Rate
65.6%
Approval Rate
$189,383
Avg Loan Amount
6.83%
Avg Interest Rate
$36K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Osage 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 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%
Compare Legends Bank vs Mid America Bank →

Frequently Asked Questions

How many mortgage applications were filed in Osage County?
In the 2024 HMDA reporting year, 381 mortgage applications were filed in Osage County, Missouri. Of these, 250 were originated (approved and funded), while 37 were denied, resulting in a denial rate of 9.7%.
What is the mortgage denial rate in Osage County?
The mortgage denial rate in Osage County is 9.7%. The approval (origination) rate is 65.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Osage County?
The average mortgage loan amount in Osage County is $189,383. The average interest rate is 6.828%. The average applicant income is $36K.
What is the loan-to-income ratio in Osage County?
The average loan-to-income ratio in Osage County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Osage County?
The top mortgage lenders in Osage County by origination volume are Legends Bank, Mid America Bank, The Central Trust Bank. In total, 34 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.