PlainLender
2024 data HMDA 2024 disclosure official source

Texas County

685 mortgage applications, 21.5% denial rate. Verify FIPS 29215 with U.S. Census Bureau →

PlainLender home → About this data

Missouri · FIPS 29215

Local mortgage market. Texas County, Missouri saw 685 HMDA-reported mortgage applications in 2024. Lenders originated 309 of those loans and denied 147, producing a denial rate of 21.5% and an approval (origination) rate of 45.1%. The average loan amount was $156,591 at an average note rate of 7.06%, with applicants self-reporting average annual income of $37K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 29215 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

685
Applications
309
Originated
21.5%
Denial Rate
45.1%
Approval Rate
$156,591
Avg Loan Amount
7.06%
Avg Interest Rate
$37K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Texas 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 Das Acquisition Company, LLC 37 12.0%
2 Simmons Bank 28 9.1%
3 Rocket Mortgage 25 8.1%
4 Mortgage Research Center 23 7.4%
5 Flat Branch Mortgage, INC. 14 4.5%
Compare Das Acquisition Company, LLC vs Simmons Bank →

Frequently Asked Questions

How many mortgage applications were filed in Texas County?
In the 2024 HMDA reporting year, 685 mortgage applications were filed in Texas County, Missouri. Of these, 309 were originated (approved and funded), while 147 were denied, resulting in a denial rate of 21.5%.
What is the mortgage denial rate in Texas County?
The mortgage denial rate in Texas County is 21.5%. The approval (origination) rate is 45.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Texas County?
The average mortgage loan amount in Texas County is $156,591. The average interest rate is 7.056%. The average applicant income is $37K.
What is the loan-to-income ratio in Texas County?
The average loan-to-income ratio in Texas County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Texas County?
The top mortgage lenders in Texas County by origination volume are Das Acquisition Company, LLC, Simmons Bank, Rocket Mortgage. In total, 76 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.