Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Boone County, Missouri
Every institution that decided a 1–4 unit mortgage application in Boone County, home to Columbia, between 2023 and 2025: 11,574 applications, 9,771 loans actually funded, across 8 kinds of borrowing.
Boone County at a glance
11,574Applications decided
2023–2025
9,771Loans funded
84% of decisions
40Census tracts
9 ZIP codes
185,874People
ACS 2023
What the data shows
The typical purchase mortgage here is $265K.
Cash-out refinance is the hardest money to get here: lenders approved 74% of 1,445 applications.
Lending by loan type in Boone County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.1% | 6,260 | $265K | 96% | 268 |
| Home improvement loans | 77.4% | 1,118 | $55K | 96% | 60 |
| Cash-out refinance | 74.1% | 1,445 | $155K | 95% | 119 |
| Refinance | 86.2% | 1,304 | $245K | 93% | 131 |
| Investment property purchase | 96.1% | 1,093 | $195K | 98% | 128 |
| Investment cash-out refinance | 83.5% | 97 | $175K | 94% | 36 |
| Investment refinance | 92.1% | 178 | $175K | 95% | 53 |
| Investment home improvement | 84.8% | 79 | $65K | 94% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.