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2024 data HMDA 2024 disclosure official source

Saline County

726 mortgage applications, 12.7% denial rate. Verify FIPS 29195 with U.S. Census Bureau →

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Missouri · FIPS 29195

Local mortgage market. Saline County, Missouri saw 726 HMDA-reported mortgage applications in 2024. Lenders originated 388 of those loans and denied 92, producing a denial rate of 12.7% and an approval (origination) rate of 53.4%. The average loan amount was $136,832 at an average note rate of 6.74%, with applicants self-reporting average annual income of $36K. 69 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 29195 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

726
Applications
388
Originated
12.7%
Denial Rate
53.4%
Approval Rate
$136,832
Avg Loan Amount
6.74%
Avg Interest Rate
$36K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Saline 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 Wood & Huston Bank 90 23.2%
2 Flat Branch Mortgage, INC. 67 17.3%
3 Community Bank of Marshall 39 10.1%
4 Midwest Mortgage Associates Corp 24 6.2%
5 Flagstar Bank NA 21 5.4%
Compare Wood & Huston Bank vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Saline County?
In the 2024 HMDA reporting year, 726 mortgage applications were filed in Saline County, Missouri. Of these, 388 were originated (approved and funded), while 92 were denied, resulting in a denial rate of 12.7%.
What is the mortgage denial rate in Saline County?
The mortgage denial rate in Saline County is 12.7%. The approval (origination) rate is 53.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Saline County?
The average mortgage loan amount in Saline County is $136,832. The average interest rate is 6.738%. The average applicant income is $36K.
What is the loan-to-income ratio in Saline County?
The average loan-to-income ratio in Saline County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Saline County?
The top mortgage lenders in Saline County by origination volume are Wood & Huston Bank, Flat Branch Mortgage, INC., Community Bank of Marshall. In total, 69 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.