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2024 data HMDA 2024 disclosure official source

Clarendon County

1,053 mortgage applications, 25.9% denial rate. Verify FIPS 45027 with U.S. Census Bureau →

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South Carolina · FIPS 45027

Local mortgage market. Clarendon County, South Carolina saw 1,053 HMDA-reported mortgage applications in 2024. Lenders originated 461 of those loans and denied 273, producing a denial rate of 25.9% and an approval (origination) rate of 43.8%. The average loan amount was $184,202 at an average note rate of 7.44%, with applicants self-reporting average annual income of $38K. 114 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 45027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,053
Applications
461
Originated
25.9%
Denial Rate
43.8%
Approval Rate
$184,202
Avg Loan Amount
7.44%
Avg Interest Rate
$38K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Clarendon 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 SAFE Federal Credit Union 35 7.6%
2 Rocket Mortgage 33 7.2%
3 Bank of Clarendon 31 6.7%
4 21st Mortgage 28 6.1%
5 Vanderbilt Mortgage and Finance, INC 24 5.2%
Compare SAFE Federal Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Clarendon County?
In the 2024 HMDA reporting year, 1,053 mortgage applications were filed in Clarendon County, South Carolina. Of these, 461 were originated (approved and funded), while 273 were denied, resulting in a denial rate of 25.9%.
What is the mortgage denial rate in Clarendon County?
The mortgage denial rate in Clarendon County is 25.9%. The approval (origination) rate is 43.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clarendon County?
The average mortgage loan amount in Clarendon County is $184,202. The average interest rate is 7.439%. The average applicant income is $38K.
What is the loan-to-income ratio in Clarendon County?
The average loan-to-income ratio in Clarendon County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clarendon County?
The top mortgage lenders in Clarendon County by origination volume are SAFE Federal Credit Union, Rocket Mortgage, Bank of Clarendon. In total, 114 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.