Horry County
South Carolina · FIPS 45051
According to CFPB HMDA 2024 application volume among U.S. counties, Horry County ranks #80 of 3,210, and #1 of 46 in South Carolina.
Mortgage lending activity in Horry County, South Carolina based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Horry County
In Horry County, lead originator DHI Mortgage Company, LTD. funded only 8.1% of 13,978 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Horry County's 27,836 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Horry County's $250,509 average loan (deduped against volume peers).
Lenders active in Horry County
DHI Mortgage Company, LTD. funded 1,127 of the 13,978 loans originated in Horry County, 8.1% of the county. 561 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Horry County borrowers.
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 Horry County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.