Aiken County
South Carolina · FIPS 45003
According to CFPB HMDA 2024 application volume among U.S. counties, Aiken County ranks #358 of 3,210, and #12 of 46 in South Carolina.
Mortgage lending activity in Aiken County, South Carolina 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. Aiken County, South Carolina saw 7,893 HMDA-reported mortgage applications in 2024. Lenders originated 4,001 of those loans and denied 1,321, producing a denial rate of 16.7% and an approval (origination) rate of 50.7%. The average loan amount was $228,958 at an average note rate of 6.84%, with applicants self-reporting average annual income of $37K. 274 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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 Aiken County
In Aiken County, lead originator SRP Federal Credit Union funded only 8.8% of 4,001 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Aiken County's 7,893 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Aiken County's $228,958 average loan (deduped against volume peers).
Lenders active in Aiken County
SRP Federal Credit Union funded 353 of the 4,001 loans originated in Aiken County, 8.8% of the county. 274 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | SRP Federal Credit Union | 353 | 8.8% |
| 2 | Rocket Mortgage | 312 | 7.8% |
| 3 | Guild Mortgage Company | 275 | 6.9% |
| 4 | DHI Mortgage Company, LTD. | 238 | 5.9% |
| 5 | Movement Mortgage, LLC | 139 | 3.5% |
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; does not constitute financial advice for Aiken County borrowers.
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 Aiken County 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. 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.