PlainLender
2024 data HMDA 2024 disclosure official source

Lexington County

14,937 mortgage applications, 16.1% denial rate. Verify FIPS 45063 with U.S. Census Bureau →

PlainLender home → About this data

South Carolina · FIPS 45063

Local mortgage market. Lexington County, South Carolina saw 14,937 HMDA-reported mortgage applications in 2024. Lenders originated 7,414 of those loans and denied 2,402, producing a denial rate of 16.1% and an approval (origination) rate of 49.6%. The average loan amount was $233,107 at an average note rate of 6.85%, with applicants self-reporting average annual income of $37K. 359 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 45063 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

14,937
Applications
7,414
Originated
16.1%
Denial Rate
49.6%
Approval Rate
$233,107
Avg Loan Amount
6.85%
Avg Interest Rate
$37K
Avg Applicant Income
6.3x
Loan-to-Income Ratio

Nearby Lenders in Lexington 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 Guild Mortgage Company 482 6.5%
2 Rocket Mortgage 405 5.5%
3 First Ciitizens Bank and Trust 324 4.4%
4 Vanderbilt Mortgage and Finance, INC 319 4.3%
5 United Wholesale Mortgage 282 3.8%
Compare Guild Mortgage Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lexington County?
In the 2024 HMDA reporting year, 14,937 mortgage applications were filed in Lexington County, South Carolina. Of these, 7,414 were originated (approved and funded), while 2,402 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Lexington County?
The mortgage denial rate in Lexington County is 16.1%. The approval (origination) rate is 49.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lexington County?
The average mortgage loan amount in Lexington County is $233,107. The average interest rate is 6.854%. The average applicant income is $37K.
What is the loan-to-income ratio in Lexington County?
The average loan-to-income ratio in Lexington County is 6.3x, meaning borrowers took on loans averaging 6.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lexington County?
The top mortgage lenders in Lexington County by origination volume are Guild Mortgage Company, Rocket Mortgage, First Ciitizens Bank and Trust. In total, 359 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.