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2024 data HMDA 2024 disclosure official source

Campbell County

1,839 mortgage applications, 19.9% denial rate. Verify FIPS 47013 with U.S. Census Bureau →

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Tennessee · FIPS 47013

Local mortgage market. Campbell County, Tennessee saw 1,839 HMDA-reported mortgage applications in 2024. Lenders originated 944 of those loans and denied 366, producing a denial rate of 19.9% and an approval (origination) rate of 51.3%. The average loan amount was $198,105 at an average note rate of 7.31%, with applicants self-reporting average annual income of $36K. 150 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 47013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,839
Applications
944
Originated
19.9%
Denial Rate
51.3%
Approval Rate
$198,105
Avg Loan Amount
7.31%
Avg Interest Rate
$36K
Avg Applicant Income
5.5x
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 Peoples Bank of the South 90 9.5%
2 Y 12 Federal Credit Union 83 8.8%
3 Community Trust Bank, Inc. 75 7.9%
4 Rocket Mortgage 56 5.9%
5 Ornl Federal Credit Union 40 4.2%
Compare Peoples Bank of the South vs Y 12 Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Campbell County?
In the 2024 HMDA reporting year, 1,839 mortgage applications were filed in Campbell County, Tennessee. Of these, 944 were originated (approved and funded), while 366 were denied, resulting in a denial rate of 19.9%.
What is the mortgage denial rate in Campbell County?
The mortgage denial rate in Campbell County is 19.9%. The approval (origination) rate is 51.3%, 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 $198,105. The average interest rate is 7.308%. 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 5.5x, meaning borrowers took on loans averaging 5.5 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 Peoples Bank of the South, Y 12 Federal Credit Union, Community Trust Bank, Inc.. In total, 150 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.