Orangeburg County
South Carolina · FIPS 45075
According to CFPB HMDA 2024 application volume among U.S. counties, Orangeburg County ranks #712 of 3,223, and #19 of 46 in South Carolina.
Mortgage lending activity in Orangeburg 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. Orangeburg County, South Carolina lenders denied 916 of the applications reported here, financing the rest at an average note rate of 7.03%, with applicants self-reporting average annual income of $39K. 183 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Orangeburg County
In Orangeburg County, lead originator DHI Mortgage Company, LTD. funded only 6.7% of 1,121 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Orangeburg County's 3,073 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Orangeburg County's $175,475 average loan (deduped against volume peers).
Lenders active in Orangeburg County
DHI Mortgage Company, LTD. funded 75 of the 1,121 loans originated in Orangeburg County, 6.7% of the county. 183 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 75 | 6.7% |
| 2 | Rocket Mortgage | 75 | 6.7% |
| 3 | 21st Mortgage | 51 | 4.5% |
| 4 | Vanderbilt Mortgage and Finance, INC | 41 | 3.7% |
| 5 | United Wholesale Mortgage | 39 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Orangeburg County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Orangeburg County borrowers. 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.