Sumter
Metropolitan Statistical Area · MSA Code 44940
According to CFPB HMDA 2024 application volume among tracked metros, Sumter ranks #348 of 418.
Mortgage lending activity in the Sumter metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Sumter Metropolitan Statistical Area (MSA code 44940) financed its book at an average note rate of 6.61%. 20 major lenders are tracked for this metro - SAFE Federal Credit Union, Mortgage Research Center, FBC Mortgage, LLC lead by origination volume. Among the 418 metros tracked, Sumter sits in the 14th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Sumter denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 19.8% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $189,243 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sumter
In Sumter, lead originator SAFE Federal Credit Union funded 10.6% of 1,999 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 21.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Sumter's 19.8% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Sumter's 4,358 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Sumter's $189,243 average loan (deduped against denial and volume peers).
Lenders active in the Sumter metro
SAFE Federal Credit Union funded 212 of the 1,999 loans originated here, 10.6% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | SAFE Federal Credit Union | 212 | 365 | $115,438 | 10.6% |
| 2 | Mortgage Research Center | 117 | 207 | $239,348 | 5.9% |
| 3 | FBC Mortgage, LLC | 104 | 117 | $296,368 | 5.2% |
| 4 | Gateway First Bank | 103 | 141 | $167,411 | 5.2% |
| 5 | Rocket Mortgage | 100 | 141 | $175,496 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Sumter metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Sumter 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.