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2024 data HMDA 2024 disclosure official source

Worth County

43 mortgage applications, 23.3% denial rate. Verify FIPS 29227 with U.S. Census Bureau →

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Missouri · FIPS 29227

Local mortgage market. Worth County, Missouri saw 43 HMDA-reported mortgage applications in 2024. Lenders originated 23 of those loans and denied 10, producing a denial rate of 23.3% and an approval (origination) rate of 53.5%. The average loan amount was $100,814 at an average note rate of 7.39%, with applicants self-reporting average annual income of $28K. 13 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 29227 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

43
Applications
23
Originated
23.3%
Denial Rate
53.5%
Approval Rate
$100,814
Avg Loan Amount
7.39%
Avg Interest Rate
$28K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Worth 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 BTC Bank 4 17.4%
2 The Nodaway Valley Bank 4 17.4%
3 First Interstate Bank 3 13.0%
4 Fairway Independent Mort CORP 3 13.0%
5 Flagstar Bank NA 1 4.3%
Compare BTC Bank vs The Nodaway Valley Bank →

Frequently Asked Questions

How many mortgage applications were filed in Worth County?
In the 2024 HMDA reporting year, 43 mortgage applications were filed in Worth County, Missouri. Of these, 23 were originated (approved and funded), while 10 were denied, resulting in a denial rate of 23.3%.
What is the mortgage denial rate in Worth County?
The mortgage denial rate in Worth County is 23.3%. The approval (origination) rate is 53.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Worth County?
The average mortgage loan amount in Worth County is $100,814. The average interest rate is 7.394%. The average applicant income is $28K.
What is the loan-to-income ratio in Worth County?
The average loan-to-income ratio in Worth County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Worth County?
The top mortgage lenders in Worth County by origination volume are BTC Bank, The Nodaway Valley Bank, First Interstate Bank. In total, 13 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.