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2024 data HMDA 2024 disclosure official source

Fairfield County

716 mortgage applications, 22.8% denial rate. Verify FIPS 45039 with U.S. Census Bureau →

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South Carolina · FIPS 45039

Local mortgage market. Fairfield County, South Carolina saw 716 HMDA-reported mortgage applications in 2024. Lenders originated 287 of those loans and denied 163, producing a denial rate of 22.8% and an approval (origination) rate of 40.1%. The average loan amount was $188,366 at an average note rate of 7.27%, with applicants self-reporting average annual income of $37K. 94 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 45039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

716
Applications
287
Originated
22.8%
Denial Rate
40.1%
Approval Rate
$188,366
Avg Loan Amount
7.27%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Fairfield 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 Rocket Mortgage 23 8.0%
2 First Ciitizens Bank and Trust 17 5.9%
3 United Wholesale Mortgage 16 5.6%
4 21st Mortgage 14 4.9%
5 Guild Mortgage Company 14 4.9%
Compare Rocket Mortgage vs First Ciitizens Bank and Trust →

Frequently Asked Questions

How many mortgage applications were filed in Fairfield County?
In the 2024 HMDA reporting year, 716 mortgage applications were filed in Fairfield County, South Carolina. Of these, 287 were originated (approved and funded), while 163 were denied, resulting in a denial rate of 22.8%.
What is the mortgage denial rate in Fairfield County?
The mortgage denial rate in Fairfield County is 22.8%. The approval (origination) rate is 40.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fairfield County?
The average mortgage loan amount in Fairfield County is $188,366. The average interest rate is 7.271%. The average applicant income is $37K.
What is the loan-to-income ratio in Fairfield County?
The average loan-to-income ratio in Fairfield County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fairfield County?
The top mortgage lenders in Fairfield County by origination volume are Rocket Mortgage, First Ciitizens Bank and Trust, United Wholesale Mortgage. In total, 94 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.