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2024 data HMDA 2024 disclosure official source

Horry County

27,836 mortgage applications, 17.3% denial rate. Verify FIPS 45051 with U.S. Census Bureau →

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South Carolina · FIPS 45051

Local mortgage market. Horry County, South Carolina saw 27,836 HMDA-reported mortgage applications in 2024. Lenders originated 13,978 of those loans and denied 4,818, producing a denial rate of 17.3% and an approval (origination) rate of 50.2%. The average loan amount was $250,509 at an average note rate of 7.02%, with applicants self-reporting average annual income of $39K. 561 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 45051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

27,836
Applications
13,978
Originated
17.3%
Denial Rate
50.2%
Approval Rate
$250,509
Avg Loan Amount
7.02%
Avg Interest Rate
$39K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Horry 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 DHI Mortgage Company, LTD. 1,127 8.1%
2 Rocket Mortgage 880 6.3%
3 United Wholesale Mortgage 476 3.4%
4 Lennar Mortgage, LLC 429 3.1%
5 Loandepot.Com, LLC 391 2.8%
Compare DHI Mortgage Company, LTD. vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Horry County?
In the 2024 HMDA reporting year, 27,836 mortgage applications were filed in Horry County, South Carolina. Of these, 13,978 were originated (approved and funded), while 4,818 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Horry County?
The mortgage denial rate in Horry County is 17.3%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Horry County?
The average mortgage loan amount in Horry County is $250,509. The average interest rate is 7.024%. The average applicant income is $39K.
What is the loan-to-income ratio in Horry County?
The average loan-to-income ratio in Horry County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Horry County?
The top mortgage lenders in Horry County by origination volume are DHI Mortgage Company, LTD., Rocket Mortgage, United Wholesale Mortgage. In total, 561 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.