Camden County
Missouri · FIPS 29029
According to CFPB HMDA 2024 application volume among U.S. counties, Camden County ranks #717 of 3,223, and #15 of 115 in Missouri.
Mortgage lending activity in Camden County, Missouri 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. Camden County, Missouri lenders denied 410 of the applications reported here, financing the rest at an average note rate of 7.21%, with applicants self-reporting average annual income of $36K. 272 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 Camden County
In Camden County, lead originator The Central Trust Bank funded 17.6% of 1,731 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Camden County's 3,058 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Camden County's $287,430 average loan (deduped against volume peers).
Lenders active in Camden County
The Central Trust Bank funded 305 of the 1,731 loans originated in Camden County, 17.6% of the county. 272 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Central Trust Bank | 305 | 17.6% |
| 2 | Flat Branch Mortgage, INC. | 115 | 6.6% |
| 3 | Flagstar Bank NA | 82 | 4.7% |
| 4 | Guild Mortgage Company | 72 | 4.2% |
| 5 | Rocket Mortgage | 70 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Camden County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Camden County borrowers. 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.