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2024 data HMDA 2024 disclosure official source

Ste. Genevieve County

593 mortgage applications, 14.8% denial rate. Verify FIPS 29186 with U.S. Census Bureau →

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Missouri · FIPS 29186

Local mortgage market. Ste. Genevieve County, Missouri saw 593 HMDA-reported mortgage applications in 2024. Lenders originated 335 of those loans and denied 88, producing a denial rate of 14.8% and an approval (origination) rate of 56.5%. The average loan amount was $193,836 at an average note rate of 7.19%, with applicants self-reporting average annual income of $36K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 29186 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

593
Applications
335
Originated
14.8%
Denial Rate
56.5%
Approval Rate
$193,836
Avg Loan Amount
7.19%
Avg Interest Rate
$36K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Ste. Genevieve 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 Bloomsdale Bank 51 15.2%
2 Guild Mortgage Company 32 9.6%
3 First State Community Bank 30 9.0%
4 Regions Bank 29 8.7%
5 Ozarks Federal Savings and Loan 16 4.8%
Compare Bloomsdale Bank vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Ste. Genevieve County?
In the 2024 HMDA reporting year, 593 mortgage applications were filed in Ste. Genevieve County, Missouri. Of these, 335 were originated (approved and funded), while 88 were denied, resulting in a denial rate of 14.8%.
What is the mortgage denial rate in Ste. Genevieve County?
The mortgage denial rate in Ste. Genevieve County is 14.8%. The approval (origination) rate is 56.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ste. Genevieve County?
The average mortgage loan amount in Ste. Genevieve County is $193,836. The average interest rate is 7.193%. The average applicant income is $36K.
What is the loan-to-income ratio in Ste. Genevieve County?
The average loan-to-income ratio in Ste. Genevieve County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ste. Genevieve County?
The top mortgage lenders in Ste. Genevieve County by origination volume are Bloomsdale Bank, Guild Mortgage Company, First State Community Bank. In total, 68 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.