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2024 data HMDA 2024 disclosure official source

Hampton County

662 mortgage applications, 35.6% denial rate. Verify FIPS 45049 with U.S. Census Bureau →

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South Carolina · FIPS 45049

Local mortgage market. Hampton County, South Carolina saw 662 HMDA-reported mortgage applications in 2024. Lenders originated 225 of those loans and denied 236, producing a denial rate of 35.6% and an approval (origination) rate of 34.0%. The average loan amount was $140,982 at an average note rate of 7.42%, with applicants self-reporting average annual income of $38K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 45049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

662
Applications
225
Originated
35.6%
Denial Rate
34.0%
Approval Rate
$140,982
Avg Loan Amount
7.42%
Avg Interest Rate
$38K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Hampton 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 Palmetto State Bank 40 17.8%
2 21st Mortgage 20 8.9%
3 United Wholesale Mortgage 14 6.2%
4 Vanderbilt Mortgage and Finance, INC 12 5.3%
5 PRIMELENDING 9 4.0%
Compare Palmetto State Bank vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hampton County?
In the 2024 HMDA reporting year, 662 mortgage applications were filed in Hampton County, South Carolina. Of these, 225 were originated (approved and funded), while 236 were denied, resulting in a denial rate of 35.6%.
What is the mortgage denial rate in Hampton County?
The mortgage denial rate in Hampton County is 35.6%. The approval (origination) rate is 34.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hampton County?
The average mortgage loan amount in Hampton County is $140,982. The average interest rate is 7.422%. The average applicant income is $38K.
What is the loan-to-income ratio in Hampton County?
The average loan-to-income ratio in Hampton County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hampton County?
The top mortgage lenders in Hampton County by origination volume are Palmetto State Bank, 21st Mortgage, United Wholesale Mortgage. In total, 68 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.