Saluda County
South Carolina · FIPS 45081
According to CFPB HMDA 2024 application volume among U.S. counties, Saluda County ranks #2,021 of 3,210, and #42 of 46 in South Carolina.
Mortgage lending activity in Saluda 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. Saluda County, South Carolina saw 503 HMDA-reported mortgage applications in 2024. Lenders originated 226 of those loans and denied 130, producing a denial rate of 25.8% and an approval (origination) rate of 44.9%. The average loan amount was $197,028 at an average note rate of 7.38%, with applicants self-reporting average annual income of $37K. 77 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Saluda County
In Saluda County, lead originator Guild Mortgage Company funded only 7.5% of 226 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Saluda County's 503 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Saluda County's $197,028 average loan (deduped against volume peers).
Lenders active in Saluda County
Guild Mortgage Company funded 17 of the 226 loans originated in Saluda County, 7.5% of the county. 77 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 17 | 7.5% |
| 2 | First Ciitizens Bank and Trust | 13 | 5.8% |
| 3 | SouthState Bank, N.A. | 12 | 5.3% |
| 4 | Rocket Mortgage | 12 | 5.3% |
| 5 | Ameris Bank | 12 | 5.3% |
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 Saluda 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 Saluda 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.