PlainLender

Bank of York

York, SC

Bank of York processed 52 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 37 loans with a 15.4% denial rate. Refinancing was the primary loan purpose. Based in York, SC. The approval rate of 71.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bank of York's 71.2% origination rate tells you how often an application turned into funded money; the 15.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (52 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

52
Applications
37
Originated
15.4%
Denial Rate
$165,769
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 52 37 8 $165,769

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Bank of York (LEI: 5493003F21XWNPQFEE34) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 20 16 $157,000
Home Purchase 20 14 $183,500
Home Improvement 7 5 $86,429
Other 5 2 $241,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 34 67.7% 17.6%
Black or African American * 6 33.3% 33.3%
Asian * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 41 63.4% 19.5%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in SC

Other HMDA-reporting lenders in SC with similar activity. Compare any two side-by-side.

Movement Mortgage, LLC

INDIAN LAND, SC

85,481 apps 61,255 originated 4.3% denied

United Community Bank

GREENVILLE, SC

10,368 apps 6,575 originated 24.1% denied

Lima One Capital, LLC

GREENVILLE, SC

6,362 apps 3,761 originated 20.8% denied

Sage Home Loans Corporation

Fort Mill, SC

3,899 apps 1,703 originated 6.7% denied

Founders Federal Credit Union

Lancaster, SC

3,620 apps 2,139 originated 25.8% denied
Compare Bank of York vs Movement Mortgage, LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Bank of York process?
Bank of York processed 52 mortgage applications in the 2024 HMDA reporting year. Of these, 37 were originated (approved and funded), 6 were withdrawn by the applicant, and 8 were denied.
What is Bank of York's mortgage approval rate?
Bank of York has an approval (origination) rate of 71.2%, meaning 71.2% of all applications resulted in a funded mortgage. The denial rate is 15.4%.
What is the average loan amount at Bank of York?
The average mortgage loan amount at Bank of York is $165,769.
What types of mortgage loans does Bank of York offer?
Bank of York processes Conventional loans. The most common type is Conventional with 52 applications and an average loan amount of $165,769.
What loan purposes does Bank of York serve?
Bank of York serves the following loan purposes: Refinancing (20 applications), Home Purchase (20 applications), Home Improvement (7 applications), Other (5 applications). Refinancing is the most common purpose.
Where is Bank of York located?
Bank of York is headquartered in York, SC. The lender is identified by LEI 5493003F21XWNPQFEE34 in HMDA data.
How does Bank of York compare in lending across racial demographics?
Bank of York reports demographic lending data under HMDA requirements. White applicants have an approval rate of 67.7% and denial rate of 17.6%; Black or African American applicants have an approval rate of 33.3% and denial rate of 33.3%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is 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.