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2024 data HMDA 2024 disclosure official source

Campbell County

4,479 mortgage applications, 14.4% denial rate. Verify FIPS 21037 with U.S. Census Bureau →

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Kentucky · FIPS 21037

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.

FIPS 21037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,479
Applications
2,594
Originated
14.4%
Denial Rate
57.9%
Approval Rate
$218,945
Avg Loan Amount
7.30%
Avg Interest Rate
$36K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Campbell 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 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%
Compare Fifth Third Bank, National Association vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Campbell County?
In the 2024 HMDA reporting year, 4,479 mortgage applications were filed in Campbell County, Kentucky. Of these, 2,594 were originated (approved and funded), while 646 were denied, resulting in a denial rate of 14.4%.
What is the mortgage denial rate in Campbell County?
The mortgage denial rate in Campbell County is 14.4%. The approval (origination) rate is 57.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Campbell County?
The average mortgage loan amount in Campbell County is $218,945. The average interest rate is 7.297%. The average applicant income is $36K.
What is the loan-to-income ratio in Campbell County?
The average loan-to-income ratio in Campbell County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Campbell County?
The top mortgage lenders in Campbell County by origination volume are Fifth Third Bank, National Association, United Wholesale Mortgage, Stockton Mortgage Corporation. In total, 195 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.