Lee County
South Carolina · FIPS 45061
According to CFPB HMDA 2024 application volume among U.S. counties, Lee County ranks #2,225 of 3,210, and #44 of 46 in South Carolina.
Mortgage lending activity in Lee 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. Lee County, South Carolina saw 370 HMDA-reported mortgage applications in 2024. Lenders originated 129 of those loans and denied 127, producing a denial rate of 34.3% and an approval (origination) rate of 34.9%. The average loan amount was $132,378 at an average note rate of 7.48%, with applicants self-reporting average annual income of $38K. 50 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Lee County
In Lee County, lead originator Rocket Mortgage funded only 10.1% of 129 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 28.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Lee County's 370 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lee County's $132,378 average loan (deduped against volume peers).
Lenders active in Lee County
Rocket Mortgage funded 13 of the 129 loans originated in Lee County, 10.1% of the county. 50 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 13 | 10.1% |
| 2 | SAFE Federal Credit Union | 13 | 10.1% |
| 3 | 21st Mortgage | 11 | 8.5% |
| 4 | Vanderbilt Mortgage and Finance, INC | 8 | 6.2% |
| 5 | Mortgage Research Center | 5 | 3.9% |
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 Lee 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 Lee 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.