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2024 data HMDA 2024 disclosure official source

Abbeville County

724 mortgage applications, 23.9% denial rate. Verify FIPS 45001 with U.S. Census Bureau →

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South Carolina · FIPS 45001

Local mortgage market. Abbeville County, South Carolina saw 724 HMDA-reported mortgage applications in 2024. Lenders originated 319 of those loans and denied 173, producing a denial rate of 23.9% and an approval (origination) rate of 44.1%. The average loan amount was $178,329 at an average note rate of 6.86%, with applicants self-reporting average annual income of $36K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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.

FIPS 45001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

724
Applications
319
Originated
23.9%
Denial Rate
44.1%
Approval Rate
$178,329
Avg Loan Amount
6.86%
Avg Interest Rate
$36K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Abbeville 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 Rocket Mortgage 28 8.8%
2 Atlantic Bay Mortgage Group 27 8.5%
3 SouthState Bank, N.A. 14 4.4%
4 First Ciitizens Bank and Trust 13 4.1%
5 United Wholesale Mortgage 12 3.8%
Compare Rocket Mortgage vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Abbeville County?
In the 2024 HMDA reporting year, 724 mortgage applications were filed in Abbeville County, South Carolina. Of these, 319 were originated (approved and funded), while 173 were denied, resulting in a denial rate of 23.9%.
What is the mortgage denial rate in Abbeville County?
The mortgage denial rate in Abbeville County is 23.9%. The approval (origination) rate is 44.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Abbeville County?
The average mortgage loan amount in Abbeville County is $178,329. The average interest rate is 6.862%. The average applicant income is $36K.
What is the loan-to-income ratio in Abbeville County?
The average loan-to-income ratio in Abbeville County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Abbeville County?
The top mortgage lenders in Abbeville County by origination volume are Rocket Mortgage, Atlantic Bay Mortgage Group, SouthState Bank, N.A.. In total, 99 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.