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2024 data HMDA 2024 disclosure official source

Camp County

475 mortgage applications, 23.8% denial rate. Verify FIPS 48063 with U.S. Census Bureau →

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Texas · FIPS 48063

Local mortgage market. Camp County, Texas saw 475 HMDA-reported mortgage applications in 2024. Lenders originated 211 of those loans and denied 113, producing a denial rate of 23.8% and an approval (origination) rate of 44.4%. The average loan amount was $193,947 at an average note rate of 7.41%, with applicants self-reporting average annual income of $38K. 63 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 48063 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

475
Applications
211
Originated
23.8%
Denial Rate
44.4%
Approval Rate
$193,947
Avg Loan Amount
7.41%
Avg Interest Rate
$38K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Camp 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 Guaranty Bank & Trust 32 15.2%
2 Cypress Bank State Savings Bank 25 11.8%
3 21st Mortgage 13 6.2%
4 Pilgrim Bank 11 5.2%
5 The City National Bank of Sulphur Springs 11 5.2%
Compare Guaranty Bank & Trust vs Cypress Bank State Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Camp County?
In the 2024 HMDA reporting year, 475 mortgage applications were filed in Camp County, Texas. Of these, 211 were originated (approved and funded), while 113 were denied, resulting in a denial rate of 23.8%.
What is the mortgage denial rate in Camp County?
The mortgage denial rate in Camp County is 23.8%. The approval (origination) rate is 44.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Camp County?
The average mortgage loan amount in Camp County is $193,947. The average interest rate is 7.414%. The average applicant income is $38K.
What is the loan-to-income ratio in Camp County?
The average loan-to-income ratio in Camp County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Camp County?
The top mortgage lenders in Camp County by origination volume are Guaranty Bank & Trust, Cypress Bank State Savings Bank, 21st Mortgage. In total, 63 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.