Scott County
Missouri · FIPS 29201
According to CFPB HMDA 2024 application volume among U.S. counties, Scott County ranks #1,244 of 3,223, and #34 of 115 in Missouri.
Mortgage lending activity in Scott 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. Scott County, Missouri lenders denied 210 of the applications reported here, financing the rest at an average note rate of 7.14%, with applicants self-reporting average annual income of $36K. 85 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Scott County
In Scott County, lead originator Montgomery Bank funded only 8.3% of 659 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Scott County's 1,266 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Scott County's $138,183 average loan (deduped against volume peers).
Lenders active in Scott County
Montgomery Bank funded 55 of the 659 loans originated in Scott County, 8.3% of the county. 85 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Montgomery Bank | 55 | 8.3% |
| 2 | Flat Branch Mortgage, INC. | 53 | 8.0% |
| 3 | The Bank of Missouri | 52 | 7.9% |
| 4 | First State Community Bank | 50 | 7.6% |
| 5 | Das Acquisition Company, LLC | 49 | 7.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Scott 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 Scott 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.