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2024 data HMDA 2024 disclosure official source

Greenwood County

2,141 mortgage applications, 19.3% denial rate. Verify FIPS 45047 with U.S. Census Bureau →

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South Carolina · FIPS 45047

Local mortgage market. Greenwood County, South Carolina saw 2,141 HMDA-reported mortgage applications in 2024. Lenders originated 1,030 of those loans and denied 413, producing a denial rate of 19.3% and an approval (origination) rate of 48.1%. The average loan amount was $187,447 at an average note rate of 6.74%, with applicants self-reporting average annual income of $37K. 160 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 45047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,141
Applications
1,030
Originated
19.3%
Denial Rate
48.1%
Approval Rate
$187,447
Avg Loan Amount
6.74%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Greenwood 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 95 9.2%
2 Atlantic Bay Mortgage Group 92 8.9%
3 Acopia, LLC 71 6.9%
4 United Wholesale Mortgage 68 6.6%
5 SouthState Bank, N.A. 43 4.2%
Compare Rocket Mortgage vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Greenwood County?
In the 2024 HMDA reporting year, 2,141 mortgage applications were filed in Greenwood County, South Carolina. Of these, 1,030 were originated (approved and funded), while 413 were denied, resulting in a denial rate of 19.3%.
What is the mortgage denial rate in Greenwood County?
The mortgage denial rate in Greenwood County is 19.3%. The approval (origination) rate is 48.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greenwood County?
The average mortgage loan amount in Greenwood County is $187,447. The average interest rate is 6.741%. The average applicant income is $37K.
What is the loan-to-income ratio in Greenwood County?
The average loan-to-income ratio in Greenwood 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 Greenwood County?
The top mortgage lenders in Greenwood County by origination volume are Rocket Mortgage, Atlantic Bay Mortgage Group, Acopia, LLC. In total, 160 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.