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2024 data HMDA 2024 disclosure official source

Ralls County

313 mortgage applications, 13.1% denial rate. Verify FIPS 29173 with U.S. Census Bureau →

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Missouri · FIPS 29173

Local mortgage market. Ralls County, Missouri saw 313 HMDA-reported mortgage applications in 2024. Lenders originated 174 of those loans and denied 41, producing a denial rate of 13.1% and an approval (origination) rate of 55.6%. The average loan amount was $174,936 at an average note rate of 6.99%, with applicants self-reporting average annual income of $34K. 52 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 29173 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

313
Applications
174
Originated
13.1%
Denial Rate
55.6%
Approval Rate
$174,936
Avg Loan Amount
6.99%
Avg Interest Rate
$34K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Ralls 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 HNB National Bank 39 22.4%
2 Thompson Kane & Company, Inc 33 19.0%
3 Flat Branch Mortgage, INC. 12 6.9%
4 Us Bank, N.A. 7 4.0%
5 Mortgage Research Center 6 3.4%
Compare HNB National Bank vs Thompson Kane & Company, Inc →

Frequently Asked Questions

How many mortgage applications were filed in Ralls County?
In the 2024 HMDA reporting year, 313 mortgage applications were filed in Ralls County, Missouri. Of these, 174 were originated (approved and funded), while 41 were denied, resulting in a denial rate of 13.1%.
What is the mortgage denial rate in Ralls County?
The mortgage denial rate in Ralls County is 13.1%. The approval (origination) rate is 55.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ralls County?
The average mortgage loan amount in Ralls County is $174,936. The average interest rate is 6.991%. The average applicant income is $34K.
What is the loan-to-income ratio in Ralls County?
The average loan-to-income ratio in Ralls County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ralls County?
The top mortgage lenders in Ralls County by origination volume are HNB National Bank, Thompson Kane & Company, Inc, Flat Branch Mortgage, INC.. In total, 52 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.