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2024 data HMDA 2024 disclosure official source

Darlington County

2,063 mortgage applications, 25.2% denial rate. Verify FIPS 45031 with U.S. Census Bureau →

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South Carolina · FIPS 45031

Local mortgage market. Darlington County, South Carolina saw 2,063 HMDA-reported mortgage applications in 2024. Lenders originated 898 of those loans and denied 520, producing a denial rate of 25.2% and an approval (origination) rate of 43.5%. The average loan amount was $161,777 at an average note rate of 7.05%, with applicants self-reporting average annual income of $37K. 141 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 45031 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,063
Applications
898
Originated
25.2%
Denial Rate
43.5%
Approval Rate
$161,777
Avg Loan Amount
7.05%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Darlington 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 First Ciitizens Bank and Trust 65 7.2%
2 Crosscountry Mortgage, LLC 64 7.1%
3 Rocket Mortgage 62 6.9%
4 21st Mortgage 48 5.3%
5 Fairway Independent Mort CORP 45 5.0%
Compare First Ciitizens Bank and Trust vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Darlington County?
In the 2024 HMDA reporting year, 2,063 mortgage applications were filed in Darlington County, South Carolina. Of these, 898 were originated (approved and funded), while 520 were denied, resulting in a denial rate of 25.2%.
What is the mortgage denial rate in Darlington County?
The mortgage denial rate in Darlington County is 25.2%. The approval (origination) rate is 43.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Darlington County?
The average mortgage loan amount in Darlington County is $161,777. The average interest rate is 7.051%. The average applicant income is $37K.
What is the loan-to-income ratio in Darlington County?
The average loan-to-income ratio in Darlington County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Darlington County?
The top mortgage lenders in Darlington County by origination volume are First Ciitizens Bank and Trust, Crosscountry Mortgage, LLC, Rocket Mortgage. In total, 141 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.