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Charleston County, South Carolina
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 17,637 mortgage applications in Charleston County, South Carolina, for 2024, and originated 10,376 loans worth $5.2bn.
That is 58.0 originations per 1,000 households, against 60.2 for South Carolina and 48.0 nationally.
The county's denial rate was 21.6%, below the state rate of 25.2%. The median rate spread on originated loans was 0.2 percentage points and 15.1% of originations were 1.5 points or more above the average prime offer rate.
119 lenders reached 25 applications in the county; the most active by originations were First Ciitizens Bank and Trust (572), Rocket Mortgage (521) and SouthState Bank, N.A. (447).
Originations were up 8% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 119. Denial rate is denials over decided applications in this county.
Compared with South Carolina and the nation
| Measure | This county | South Carolina | United States |
|---|---|---|---|
| Denial rate | 21.6% | 25.2% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.1% | 15.5% | 15.6% |
| Average originated loan | $498k | $296k | $329k |
| Originations per 1,000 households | 58.0 | 60.2 | 48.0 |
| Home purchase share of originations | 56.4% | 62.8% | 57.0% |
| FHA-insured share | 7.1% | 16.5% | 13.4% |
| VA-guaranteed share | 6.4% | 12.9% | 7.9% |
Rate spread distribution
Share of 9,370 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: South Carolina). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 56% (5,852)Home improvement 11% (1,170)Refinancing 10% (1,078)Cash-out refinancing 14% (1,449)Other purpose 8% (823)
By type
Conventional 86% (8,966)FHA 7% (738)VA 6% (668)USDA 0% (4)
Trend by year
ApplicationsOriginations
This countySouth Carolina
Questions and answers
Which lenders are most active in Charleston County, SC?
By 2024 originations: First Ciitizens Bank and Trust (572), Rocket Mortgage (521), SouthState Bank, N.A. (447), United Wholesale Mortgage (441), South Carolina Federal Credit (387). 119 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Charleston County?
21.6% of decided applications were denied in 2024, against 25.2% across South Carolina and 24.3% nationally.
How many mortgages were originated in Charleston County in 2024?
10,376 loans totalling $5.2bn, from 17,637 applications; 58.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 45019; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.