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2024 data HMDA 2024 disclosure official source

Georgetown County

2,823 mortgage applications, 21.8% denial rate. Verify FIPS 45043 with U.S. Census Bureau →

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South Carolina · FIPS 45043

Local mortgage market. Georgetown County, South Carolina saw 2,823 HMDA-reported mortgage applications in 2024. Lenders originated 1,316 of those loans and denied 616, producing a denial rate of 21.8% and an approval (origination) rate of 46.6%. The average loan amount was $298,163 at an average note rate of 7.29%, with applicants self-reporting average annual income of $38K. 227 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.8x, meaning typical borrowers took on mortgages of about 7.8 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 45043 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,823
Applications
1,316
Originated
21.8%
Denial Rate
46.6%
Approval Rate
$298,163
Avg Loan Amount
7.29%
Avg Interest Rate
$38K
Avg Applicant Income
7.8x
Loan-to-Income Ratio

Nearby Lenders in Georgetown 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 89 6.8%
2 SouthState Bank, N.A. 59 4.5%
3 First Ciitizens Bank and Trust 59 4.5%
4 Gateway First Bank 57 4.3%
5 United Wholesale Mortgage 45 3.4%
Compare Rocket Mortgage vs SouthState Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Georgetown County?
In the 2024 HMDA reporting year, 2,823 mortgage applications were filed in Georgetown County, South Carolina. Of these, 1,316 were originated (approved and funded), while 616 were denied, resulting in a denial rate of 21.8%.
What is the mortgage denial rate in Georgetown County?
The mortgage denial rate in Georgetown County is 21.8%. The approval (origination) rate is 46.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Georgetown County?
The average mortgage loan amount in Georgetown County is $298,163. The average interest rate is 7.290%. The average applicant income is $38K.
What is the loan-to-income ratio in Georgetown County?
The average loan-to-income ratio in Georgetown County is 7.8x, meaning borrowers took on loans averaging 7.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Georgetown County?
The top mortgage lenders in Georgetown County by origination volume are Rocket Mortgage, SouthState Bank, N.A., First Ciitizens Bank and Trust. In total, 227 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.