Chester County
South Carolina · FIPS 45023
According to CFPB HMDA 2024 application volume among U.S. counties, Chester County ranks #1,023 of 3,210, and #27 of 46 in South Carolina.
Mortgage lending activity in Chester 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. Chester County, South Carolina saw 1,683 HMDA-reported mortgage applications in 2024. Lenders originated 786 of those loans and denied 346, producing a denial rate of 20.6% and an approval (origination) rate of 46.7%. The average loan amount was $197,739 at an average note rate of 6.82%, with applicants self-reporting average annual income of $38K. 128 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Chester County
In Chester County, lead originator Lennar Mortgage, LLC funded 16.7% of 786 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Chester County's 1,683 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chester County's $197,739 average loan (deduped against volume peers).
Lenders active in Chester County
Lennar Mortgage, LLC funded 131 of the 786 loans originated in Chester County, 16.7% of the county. 128 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lennar Mortgage, LLC | 131 | 16.7% |
| 2 | Founders Federal Credit Union | 86 | 10.9% |
| 3 | Rocket Mortgage | 73 | 9.3% |
| 4 | Loandepot.Com, LLC | 43 | 5.5% |
| 5 | First Ciitizens Bank and Trust | 30 | 3.8% |
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 Chester 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 Chester 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.