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2024 data HMDA 2024 disclosure official source

Stoddard County

760 mortgage applications, 14.2% denial rate. Verify FIPS 29207 with U.S. Census Bureau →

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Missouri · FIPS 29207

Local mortgage market. Stoddard County, Missouri saw 760 HMDA-reported mortgage applications in 2024. Lenders originated 413 of those loans and denied 108, producing a denial rate of 14.2% and an approval (origination) rate of 54.3%. The average loan amount was $139,434 at an average note rate of 7.17%, with applicants self-reporting average annual income of $35K. 64 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 29207 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

760
Applications
413
Originated
14.2%
Denial Rate
54.3%
Approval Rate
$139,434
Avg Loan Amount
7.17%
Avg Interest Rate
$35K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Stoddard 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 Southern Bank 106 25.7%
2 Flanagan State Bank 44 10.7%
3 First Midwest Bank of Dexter 41 9.9%
4 Rocket Mortgage 26 6.3%
5 Flat Branch Mortgage, INC. 21 5.1%
Compare Southern Bank vs Flanagan State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Stoddard County?
In the 2024 HMDA reporting year, 760 mortgage applications were filed in Stoddard County, Missouri. Of these, 413 were originated (approved and funded), while 108 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Stoddard County?
The mortgage denial rate in Stoddard County is 14.2%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Stoddard County?
The average mortgage loan amount in Stoddard County is $139,434. The average interest rate is 7.166%. The average applicant income is $35K.
What is the loan-to-income ratio in Stoddard County?
The average loan-to-income ratio in Stoddard County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Stoddard County?
The top mortgage lenders in Stoddard County by origination volume are Southern Bank, Flanagan State Bank, First Midwest Bank of Dexter. In total, 64 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.