SC · Statewide HMDA 2024
South Carolina mortgage lending
According to the CFPB HMDA 2024 Snapshot, 998 reporting lenders · 46 counties · 10 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, South Carolina ranks #18 of 54 by application volume but #44 of 52 states with 10,000+ applications on origination share (49.2%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #44
- Origination-share rank of 52
- 49.2%
- Origination share
- 127,087
- Originated
- 17.5%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
258,143reported applications
CFPB HMDA state filing plate
State SC · South Carolina 17.5% denial
VOL-MID · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MID #18/54
- DEN-MID 17.5%
- PHOTO-FINISH New Hampshire
- ORIG-FLOOR 49.2%
- BOOK-FULL 998 lenders
- LEAD-MIX 6% top
Photo-finish peer: New Hampshire · 17.5% denial (+0.0pp vs South Carolina)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · South Carolina
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for South Carolina: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (17.5% here).
Similar application volume
Nearest states by HMDA applications filed (258,143 here).
Top lenders by originations · South Carolina
Funded loans among HMDA-reporting institutions active in this state.
Where South Carolina sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
258,143 Top 33% higher than 67% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · South Carolina
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. South Carolina filed 258,143 HMDA-reported applications in 2024 (#18 of 54 by volume) with a 17.5% denial rate - near the national 17.2% baseline. White applicants (143,641 apps) show 16.4% denial; Black or African American applicants (37,533 apps) show 30.8% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in South Carolina
Top HMDA-reporting lenders active in South Carolina. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 8,177 | 6.4% |
| 2 | United Wholesale Mortgage | 5,332 | 4.2% |
| 3 | First Ciitizens Bank and Trust | 3,727 | 2.9% |
| 4 | DHI Mortgage Company, LTD. | 3,629 | 2.9% |
| 5 | Movement Mortgage, LLC | 3,572 | 2.8% |
Reported outcomes by applicant race in South Carolina
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 143,641 | 60.4% | 16.4% |
| Black or African American | 37,533 | 41.3% | 30.8% |
| Asian | 5,315 | 57.9% | 16.1% |
| Joint | 3,744 | 57.8% | 18.2% |
| American Indian or Alaska Native | 1,070 | 45.0% | 25.8% |
| 2 or more minority races | 568 | 40.5% | 31.5% |
| Native Hawaiian or Other Pacific Islander | 310 | 46.1% | 31.0% |
Every county in South Carolina, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Horry County | 27,836 | 13,978 | 17.3% | $250,509 |
| Greenville County | 24,143 | 12,653 | 15.6% | $268,306 |
| Charleston County | 19,717 | 10,371 | 15.1% | $496,594 |
| Richland County | 19,491 | 9,490 | 16.1% | $254,507 |
| Spartanburg County | 18,085 | 9,132 | 17.1% | $234,977 |
| Berkeley County | 16,380 | 8,021 | 14.7% | $330,940 |
| York County | 15,175 | 7,949 | 16.3% | $288,751 |
| Lexington County | 14,937 | 7,414 | 16.1% | $233,107 |
| Beaufort County | 11,343 | 5,831 | 17.4% | $390,217 |
| Dorchester County | 10,779 | 5,224 | 14.1% | $275,345 |
| Anderson County | 9,215 | 4,600 | 18.1% | $218,418 |
| Aiken County | 7,893 | 4,001 | 16.7% | $228,958 |
| Lancaster County | 5,858 | 2,984 | 16.3% | $270,258 |
| Pickens County | 4,992 | 2,556 | 16.9% | $255,244 |
| Florence County | 4,721 | 2,180 | 21.2% | $187,076 |
| Sumter County | 4,358 | 1,999 | 19.8% | $189,243 |
| Kershaw County | 3,975 | 1,954 | 14.8% | $219,118 |
| Oconee County | 3,212 | 1,583 | 18.3% | $282,927 |
| Orangeburg County | 3,073 | 1,121 | 29.8% | $175,475 |
| Laurens County | 3,038 | 1,344 | 23.4% | $189,582 |
| Georgetown County | 2,823 | 1,316 | 21.8% | $298,163 |
| Jasper County | 2,660 | 1,315 | 18.5% | $291,173 |
| Greenwood County | 2,141 | 1,030 | 19.3% | $187,447 |
| Darlington County | 2,063 | 898 | 25.2% | $161,777 |
| Cherokee County | 1,910 | 882 | 20.8% | $180,204 |
| Colleton County | 1,741 | 641 | 30.2% | $202,306 |
| Chester County | 1,683 | 786 | 20.6% | $197,739 |
| Chesterfield County | 1,399 | 551 | 25.5% | $159,403 |
| Newberry County | 1,208 | 562 | 21.4% | $213,742 |
| Edgefield County | 1,080 | 518 | 19.5% | $220,093 |
| Clarendon County | 1,053 | 461 | 25.9% | $184,202 |
| Marion County | 829 | 310 | 28.7% | $141,043 |
| Dillon County | 782 | 264 | 33.0% | $134,437 |
| Union County | 768 | 347 | 25.0% | $144,922 |
| Williamsburg County | 725 | 242 | 33.4% | $138,117 |
| Abbeville County | 724 | 319 | 23.9% | $178,329 |
| Fairfield County | 716 | 287 | 22.8% | $188,366 |
| Hampton County | 662 | 225 | 35.6% | $140,982 |
| Barnwell County | 594 | 211 | 33.8% | $144,411 |
| Marlboro County | 551 | 186 | 34.3% | $138,194 |
| Calhoun County | 529 | 256 | 23.4% | $185,132 |
| Saluda County | 503 | 226 | 25.8% | $197,028 |
| McCormick County | 427 | 208 | 16.2% | $210,878 |
| Lee County | 370 | 129 | 34.3% | $132,378 |
| Bamberg County | 329 | 114 | 34.4% | $139,073 |
| Allendale County | 142 | 53 | 37.3% | $107,887 |
Metro Areas in South Carolina
Frequently Asked Questions
How many mortgage applications were filed in South Carolina?
Where does South Carolina sit among U.S. states for mortgage volume?
What is the mortgage denial rate in South Carolina?
What is the average mortgage loan amount in South Carolina?
How many mortgage lenders operate in South Carolina?
How do mortgage denial rates vary by demographics in South Carolina?
Which counties in South Carolina have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.