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2024 data HMDA 2024 disclosure official source

Pickens County

4,992 mortgage applications, 16.9% denial rate. Verify FIPS 45077 with U.S. Census Bureau →

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South Carolina · FIPS 45077

Local mortgage market. Pickens County, South Carolina saw 4,992 HMDA-reported mortgage applications in 2024. Lenders originated 2,556 of those loans and denied 843, producing a denial rate of 16.9% and an approval (origination) rate of 51.2%. The average loan amount was $255,244 at an average note rate of 6.96%, with applicants self-reporting average annual income of $37K. 293 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 45077 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,992
Applications
2,556
Originated
16.9%
Denial Rate
51.2%
Approval Rate
$255,244
Avg Loan Amount
6.96%
Avg Interest Rate
$37K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in Pickens 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 Rocket Mortgage 209 8.2%
2 SouthState Bank, N.A. 121 4.7%
3 United Wholesale Mortgage 95 3.7%
4 Truist Bank 86 3.4%
5 PRIMELENDING 76 3.0%
Compare Rocket Mortgage vs SouthState Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Pickens County?
In the 2024 HMDA reporting year, 4,992 mortgage applications were filed in Pickens County, South Carolina. Of these, 2,556 were originated (approved and funded), while 843 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Pickens County?
The mortgage denial rate in Pickens County is 16.9%. The approval (origination) rate is 51.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pickens County?
The average mortgage loan amount in Pickens County is $255,244. The average interest rate is 6.959%. The average applicant income is $37K.
What is the loan-to-income ratio in Pickens County?
The average loan-to-income ratio in Pickens County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pickens County?
The top mortgage lenders in Pickens County by origination volume are Rocket Mortgage, SouthState Bank, N.A., United Wholesale Mortgage. In total, 293 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.