Campbell County
Tennessee · FIPS 47013
According to CFPB HMDA 2024 application volume among U.S. counties, Campbell County ranks #987 of 3,223, and #38 of 95 in Tennessee.
Mortgage lending activity in Campbell County, Tennessee 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, Tennessee lenders denied 366 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Campbell County
In Campbell County, lead originator Peoples Bank of the South funded only 9.5% of 944 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 26.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Campbell County's 1,839 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Campbell County's $198,105 average loan (deduped against volume peers).
Lenders active in Campbell County
Peoples Bank of the South funded 90 of the 944 loans originated in Campbell County, 9.5% of the county. 150 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Campbell 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 Campbell 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.