Chesterfield County
South Carolina · FIPS 45025
According to CFPB HMDA 2024 application volume among U.S. counties, Chesterfield County ranks #1,163 of 3,210, and #28 of 46 in South Carolina.
Mortgage lending activity in Chesterfield 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. Chesterfield County, South Carolina saw 1,399 HMDA-reported mortgage applications in 2024. Lenders originated 551 of those loans and denied 357, producing a denial rate of 25.5% and an approval (origination) rate of 39.4%. The average loan amount was $159,403 at an average note rate of 7.40%, with applicants self-reporting average annual income of $38K. 126 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 Chesterfield County
In Chesterfield County, lead originator Founders Federal Credit Union funded 14.2% of 551 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.4% 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 Chesterfield County's 1,399 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chesterfield County's $159,403 average loan (deduped against volume peers).
Lenders active in Chesterfield County
Founders Federal Credit Union funded 78 of the 551 loans originated in Chesterfield County, 14.2% of the county. 126 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Founders Federal Credit Union | 78 | 14.2% |
| 2 | 21st Mortgage | 54 | 9.8% |
| 3 | Rocket Mortgage | 30 | 5.4% |
| 4 | First Ciitizens Bank and Trust | 26 | 4.7% |
| 5 | Movement Mortgage, LLC | 21 | 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 Chesterfield 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 Chesterfield 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.