Campbell County
Kentucky · FIPS 21037
According to CFPB HMDA 2024 application volume among U.S. counties, Campbell County ranks #544 of 3,210, and #7 of 120 in Kentucky.
Mortgage lending activity in Campbell County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Campbell County, Kentucky saw 4,479 HMDA-reported mortgage applications in 2024. Lenders originated 2,594 of those loans and denied 646, producing a denial rate of 14.4% and an approval (origination) rate of 57.9%. The average loan amount was $218,945 at an average note rate of 7.30%, with applicants self-reporting average annual income of $36K. 195 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Campbell County
In Campbell County, lead originator Fifth Third Bank, National Association funded only 9.0% of 2,594 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Campbell County's 4,479 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Campbell County's $218,945 average loan (deduped against volume peers).
Lenders active in Campbell County
Fifth Third Bank, National Association funded 234 of the 2,594 loans originated in Campbell County, 9.0% of the county. 195 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Fifth Third Bank, National Association | 234 | 9.0% |
| 2 | United Wholesale Mortgage | 159 | 6.1% |
| 3 | Stockton Mortgage Corporation | 140 | 5.4% |
| 4 | Guardian Savings Bank | 130 | 5.0% |
| 5 | Us Bank, N.A. | 117 | 4.5% |
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; does not constitute financial advice for Campbell County borrowers.
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 Campbell County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.