Pettis County
Missouri · FIPS 29159
According to CFPB HMDA 2024 application volume among U.S. counties, Pettis County ranks #1,035 of 3,210, and #27 of 115 in Missouri.
Mortgage lending activity in Pettis 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. Pettis County, Missouri saw 1,658 HMDA-reported mortgage applications in 2024. Lenders originated 816 of those loans and denied 260, producing a denial rate of 15.7% and an approval (origination) rate of 49.2%. The average loan amount was $169,692 at an average note rate of 6.98%, with applicants self-reporting average annual income of $36K. 117 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 Pettis County
In Pettis County, lead originator The Central Trust Bank funded 16.8% of 816 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 34.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Pettis County's 1,658 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pettis County's $169,692 average loan (deduped against volume peers).
Lenders active in Pettis County
The Central Trust Bank funded 137 of the 816 loans originated in Pettis County, 16.8% of the county. 117 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Central Trust Bank | 137 | 16.8% |
| 2 | Flat Branch Mortgage, INC. | 93 | 11.4% |
| 3 | Gateway First Bank | 52 | 6.4% |
| 4 | Rocket Mortgage | 44 | 5.4% |
| 5 | Mortgage Research Center | 34 | 4.2% |
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 Pettis 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 Pettis 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.