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2024 data HMDA 2024 disclosure official source

Beaufort County

11,343 mortgage applications, 17.4% denial rate. Verify FIPS 45013 with U.S. Census Bureau →

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South Carolina · FIPS 45013

Local mortgage market. Beaufort County, South Carolina saw 11,343 HMDA-reported mortgage applications in 2024. Lenders originated 5,831 of those loans and denied 1,972, producing a denial rate of 17.4% and an approval (origination) rate of 51.4%. The average loan amount was $390,217 at an average note rate of 7.12%, with applicants self-reporting average annual income of $39K. 426 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 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 45013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,343
Applications
5,831
Originated
17.4%
Denial Rate
51.4%
Approval Rate
$390,217
Avg Loan Amount
7.12%
Avg Interest Rate
$39K
Avg Applicant Income
10.0x
Loan-to-Income Ratio

Nearby Lenders in Beaufort 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 Movement Mortgage, LLC 569 9.8%
2 Rocket Mortgage 332 5.7%
3 United Wholesale Mortgage 241 4.1%
4 Navy Federal Credit Union 213 3.7%
5 SouthState Bank, N.A. 204 3.5%
Compare Movement Mortgage, LLC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Beaufort County?
In the 2024 HMDA reporting year, 11,343 mortgage applications were filed in Beaufort County, South Carolina. Of these, 5,831 were originated (approved and funded), while 1,972 were denied, resulting in a denial rate of 17.4%.
What is the mortgage denial rate in Beaufort County?
The mortgage denial rate in Beaufort County is 17.4%. The approval (origination) rate is 51.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Beaufort County?
The average mortgage loan amount in Beaufort County is $390,217. The average interest rate is 7.117%. The average applicant income is $39K.
What is the loan-to-income ratio in Beaufort County?
The average loan-to-income ratio in Beaufort County is 10.0x, meaning borrowers took on loans averaging 10.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Beaufort County?
The top mortgage lenders in Beaufort County by origination volume are Movement Mortgage, LLC, Rocket Mortgage, United Wholesale Mortgage. In total, 426 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.