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2024 data HMDA 2024 disclosure official source

Camden County

3,528 mortgage applications, 13.6% denial rate. Verify FIPS 13039 with U.S. Census Bureau →

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Georgia · FIPS 13039

Local mortgage market. Camden County, Georgia saw 3,528 HMDA-reported mortgage applications in 2024. Lenders originated 1,825 of those loans and denied 480, producing a denial rate of 13.6% and an approval (origination) rate of 51.7%. The average loan amount was $263,438 at an average note rate of 6.84%, with applicants self-reporting average annual income of $40K. 179 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 13039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,528
Applications
1,825
Originated
13.6%
Denial Rate
51.7%
Approval Rate
$263,438
Avg Loan Amount
6.84%
Avg Interest Rate
$40K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Camden 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 Rocket Mortgage 357 19.6%
2 Navy Federal Credit Union 229 12.5%
3 Mortgage Research Center 100 5.5%
4 DHI Mortgage Company, LTD. 73 4.0%
5 United Wholesale Mortgage 71 3.9%
Compare Rocket Mortgage vs Navy Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Camden County?
In the 2024 HMDA reporting year, 3,528 mortgage applications were filed in Camden County, Georgia. Of these, 1,825 were originated (approved and funded), while 480 were denied, resulting in a denial rate of 13.6%.
What is the mortgage denial rate in Camden County?
The mortgage denial rate in Camden County is 13.6%. The approval (origination) rate is 51.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Camden County?
The average mortgage loan amount in Camden County is $263,438. The average interest rate is 6.837%. The average applicant income is $40K.
What is the loan-to-income ratio in Camden County?
The average loan-to-income ratio in Camden County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Camden County?
The top mortgage lenders in Camden County by origination volume are Rocket Mortgage, Navy Federal Credit Union, Mortgage Research Center. In total, 179 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.