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2024 data HMDA 2024 disclosure official source

Stone County

1,731 mortgage applications, 16.3% denial rate. Verify FIPS 29209 with U.S. Census Bureau →

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Missouri · FIPS 29209

Local mortgage market. Stone County, Missouri saw 1,731 HMDA-reported mortgage applications in 2024. Lenders originated 968 of those loans and denied 282, producing a denial rate of 16.3% and an approval (origination) rate of 55.9%. The average loan amount was $238,547 at an average note rate of 7.21%, with applicants self-reporting average annual income of $37K. 204 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 29209 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,731
Applications
968
Originated
16.3%
Denial Rate
55.9%
Approval Rate
$238,547
Avg Loan Amount
7.21%
Avg Interest Rate
$37K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Stone 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 The Central Trust Bank 83 8.6%
2 Rocket Mortgage 73 7.5%
3 Arvest Bank 49 5.1%
4 Flat Branch Mortgage, INC. 31 3.2%
5 Us Bank, N.A. 29 3.0%
Compare The Central Trust Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Stone County?
In the 2024 HMDA reporting year, 1,731 mortgage applications were filed in Stone County, Missouri. Of these, 968 were originated (approved and funded), while 282 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Stone County?
The mortgage denial rate in Stone County is 16.3%. The approval (origination) rate is 55.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Stone County?
The average mortgage loan amount in Stone County is $238,547. The average interest rate is 7.213%. The average applicant income is $37K.
What is the loan-to-income ratio in Stone County?
The average loan-to-income ratio in Stone County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Stone County?
The top mortgage lenders in Stone County by origination volume are The Central Trust Bank, Rocket Mortgage, Arvest Bank. In total, 204 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.