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2024 data HMDA 2024 disclosure official source

Barnwell County

594 mortgage applications, 33.8% denial rate. Verify FIPS 45011 with U.S. Census Bureau →

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South Carolina · FIPS 45011

Local mortgage market. Barnwell County, South Carolina saw 594 HMDA-reported mortgage applications in 2024. Lenders originated 211 of those loans and denied 201, producing a denial rate of 33.8% and an approval (origination) rate of 35.5%. The average loan amount was $144,411 at an average note rate of 7.31%, with applicants self-reporting average annual income of $38K. 62 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 45011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

594
Applications
211
Originated
33.8%
Denial Rate
35.5%
Approval Rate
$144,411
Avg Loan Amount
7.31%
Avg Interest Rate
$38K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Barnwell 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 SRP Federal Credit Union 23 10.9%
2 21st Mortgage 20 9.5%
3 Guild Mortgage Company 12 5.7%
4 Enterprise Bank of Sc 11 5.2%
5 Rocket Mortgage 11 5.2%
Compare SRP Federal Credit Union vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Barnwell County?
In the 2024 HMDA reporting year, 594 mortgage applications were filed in Barnwell County, South Carolina. Of these, 211 were originated (approved and funded), while 201 were denied, resulting in a denial rate of 33.8%.
What is the mortgage denial rate in Barnwell County?
The mortgage denial rate in Barnwell County is 33.8%. The approval (origination) rate is 35.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barnwell County?
The average mortgage loan amount in Barnwell County is $144,411. The average interest rate is 7.314%. The average applicant income is $38K.
What is the loan-to-income ratio in Barnwell County?
The average loan-to-income ratio in Barnwell County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barnwell County?
The top mortgage lenders in Barnwell County by origination volume are SRP Federal Credit Union, 21st Mortgage, Guild Mortgage Company. In total, 62 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.