We study the equation of state at finite temperature and density in two-flavor QCD with the RG-improved gluon action and the clover-improved Wilson quark action on a $ 16^3 times 4$ lattice. Along the lines of constant physics at $m_{rm PS}/m_{rm V} = 0.65$ and 0.80, we compute the second and forth derivatives of the grand canonical partition function with respect to the quark chemical potential $mu_q = (mu_u+mu_d)/2$ and the isospin chemical potential $mu_I = (mu_u-mu_d)/2$ at vanishing chemical potentials, and study the behaviors of thermodynamic quantities at finite $mu_q$ using these derivatives for the case $mu_I=0$. In particular, we study density fluctuations at none-zero temperature and density by calculating the quark number and isospin susceptibilities and their derivatives with respect to $mu_q$. To suppress statistical fluctuations, we also examine new techniques applicable at low densities. We find a large enhancement in the fluctuation of quark number when the density increased near the pseudo-critical temperature, suggesting a critical point at finite $mu_q$ terminating the first order transition line between hadronic and quark gluon plasma phases. This result agrees with the previous results using staggered-type quark actions qualitatively. Furthermore, we study heavy-quark free energies and Debye screening masses at finite density by measuring the first and second derivatives of these quantities for various color channels of heavy quark-quark and quark-anti-quark pairs. The results suggest that, to the leading order of $mu_q$, the interaction between two quarks becomes stronger at finite densities, while that between quark and anti-quark becomes weaker.