Ray County
Missouri · FIPS 29177
According to CFPB HMDA 2024 application volume among U.S. counties, Ray County ranks #1,466 of 3,223, and #39 of 115 in Missouri.
Mortgage lending activity in Ray 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. Ray County, Missouri lenders denied 144 of the applications reported here, financing the rest at an average note rate of 6.90%, with applicants self-reporting average annual income of $37K. 115 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Ray County
In Ray County, lead originator Communityamerica Credit Union funded only 6.5% of 505 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Ray County's 961 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ray County's $181,608 average loan (deduped against volume peers).
Lenders active in Ray County
Communityamerica Credit Union funded 33 of the 505 loans originated in Ray County, 6.5% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Communityamerica Credit Union | 33 | 6.5% |
| 2 | Flat Branch Mortgage, INC. | 30 | 5.9% |
| 3 | NBH Bank | 26 | 5.1% |
| 4 | Rocket Mortgage | 26 | 5.1% |
| 5 | Leaderone Financial CORP. | 23 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Ray County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Ray County borrowers. 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.