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2024 data HMDA 2024 disclosure official source

Richland County

19,491 mortgage applications, 16.1% denial rate. Verify FIPS 45079 with U.S. Census Bureau →

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South Carolina · FIPS 45079

Local mortgage market. Richland County, South Carolina saw 19,491 HMDA-reported mortgage applications in 2024. Lenders originated 9,490 of those loans and denied 3,144, producing a denial rate of 16.1% and an approval (origination) rate of 48.7%. The average loan amount was $254,507 at an average note rate of 6.74%, with applicants self-reporting average annual income of $38K. 394 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 45079 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

19,491
Applications
9,490
Originated
16.1%
Denial Rate
48.7%
Approval Rate
$254,507
Avg Loan Amount
6.74%
Avg Interest Rate
$38K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Richland 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 537 5.7%
2 Rocket Mortgage 504 5.3%
3 United Wholesale Mortgage 419 4.4%
4 First Heritage Mortgage, LLC 370 3.9%
5 First Ciitizens Bank and Trust 368 3.9%
Compare Guild Mortgage Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Richland County?
In the 2024 HMDA reporting year, 19,491 mortgage applications were filed in Richland County, South Carolina. Of these, 9,490 were originated (approved and funded), while 3,144 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Richland County?
The mortgage denial rate in Richland County is 16.1%. The approval (origination) rate is 48.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Richland County?
The average mortgage loan amount in Richland County is $254,507. The average interest rate is 6.736%. The average applicant income is $38K.
What is the loan-to-income ratio in Richland County?
The average loan-to-income ratio in Richland County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Richland County?
The top mortgage lenders in Richland County by origination volume are Guild Mortgage Company, Rocket Mortgage, United Wholesale Mortgage. In total, 394 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.