Platte County
Missouri · FIPS 29165
According to CFPB HMDA 2024 application volume among U.S. counties, Platte County ranks #557 of 3,210, and #12 of 115 in Missouri.
Mortgage lending activity in Platte 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. Platte County, Missouri saw 4,378 HMDA-reported mortgage applications in 2024. Lenders originated 2,489 of those loans and denied 572, producing a denial rate of 13.1% and an approval (origination) rate of 56.9%. The average loan amount was $295,391 at an average note rate of 6.91%, with applicants self-reporting average annual income of $36K. 236 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 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 Platte County
In Platte County, lead originator Communityamerica Credit Union funded 13.8% of 2,489 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Platte County's 4,378 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Platte County's $295,391 average loan (deduped against volume peers).
Lenders active in Platte County
Communityamerica Credit Union funded 344 of the 2,489 loans originated in Platte County, 13.8% of the county. 236 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Communityamerica Credit Union | 344 | 13.8% |
| 2 | Rocket Mortgage | 140 | 5.6% |
| 3 | United Wholesale Mortgage | 114 | 4.6% |
| 4 | Fairway Independent Mort CORP | 111 | 4.5% |
| 5 | PRIMELENDING | 104 | 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 Platte 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 Platte 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.