Reynolds County
Missouri · FIPS 29179
According to CFPB HMDA 2024 application volume among U.S. counties, Reynolds County ranks #2,673 of 3,223, and #101 of 115 in Missouri.
Mortgage lending activity in Reynolds 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. Reynolds County, Missouri lenders denied 36 of the applications reported here, financing the rest at an average note rate of 6.79%, with applicants self-reporting average annual income of $37K. 35 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 Reynolds County
In Reynolds County, lead originator Peoples Community Bank funded 17.7% of 79 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Reynolds County's 168 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Reynolds County's $144,524 average loan (deduped against volume peers).
Lenders active in Reynolds County
Peoples Community Bank funded 14 of the 79 loans originated in Reynolds County, 17.7% of the county. 35 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Peoples Community Bank | 14 | 17.7% |
| 2 | Rocket Mortgage | 10 | 12.7% |
| 3 | First State Community Bank | 6 | 7.6% |
| 4 | Great Southern Bank | 5 | 6.3% |
| 5 | Mortgage Research Center | 5 | 6.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Reynolds 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 Reynolds 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.