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Chesterfield 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.
Chesterfield County, South Carolina, saw 1,284 HMDA-reported applications and 551 originations ($97m) in 2024.
That is 31.4 originations per 1,000 households, against 60.2 for South Carolina and 48.0 nationally.
The county's denial rate was 37.3%, above the state rate of 25.2%. The median rate spread on originated loans was 0.7 percentage points and 29.9% of originations were 1.5 points or more above the average prime offer rate.
10 lenders reached 25 applications in the county; the most active by originations were Founders Federal Credit Union (78), 21st Mortgage (54) and Rocket Mortgage (30).
Originations were up 13% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Founders Federal Credit Union | 148 | 78 | $9.5m | 35.7% | — |
| 2 | 21st Mortgage | 234 | 54 | $6.2m | 61.4% | — |
| 3 | Rocket Mortgage | 48 | 30 | $5.1m | 27.9% | — |
| 4 | First Ciitizens Bank and Trust | 47 | 26 | $3.5m | 38.1% | — |
| 5 | Movement Mortgage, LLC | 34 | 21 | $4.8m | 7.4% | — |
| 6 | United Wholesale Mortgage | 29 | 17 | $4.3m | — | — |
| 7 | Fairway Independent Mort Corp | 26 | 16 | $2.5m | — | — |
| 8 | Vanderbilt Mortgage and Finance, Inc | 111 | 15 | $1.8m | 74.6% | — |
| 9 | Mortgage Research Center | 27 | 15 | $3.4m | — | — |
| 10 | Triad Financial Services, Inc. | 32 | 4 | $500k | 40.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 10. 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 | 37.3% | 25.2% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 29.9% | 15.5% | 15.6% |
| Average originated loan | $177k | $296k | $329k |
| Originations per 1,000 households | 31.4 | 60.2 | 48.0 |
| Home purchase share of originations | 65.5% | 62.8% | 57.0% |
| FHA-insured share | 20.7% | 16.5% | 13.4% |
| VA-guaranteed share | 10.0% | 12.9% | 7.9% |
Rate spread distribution
Share of 508 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 66% (361)Home improvement 6% (31)Refinancing 9% (48)Cash-out refinancing 13% (71)Other purpose 7% (40)
By type
Conventional 68% (372)FHA 21% (114)VA 10% (55)USDA 2% (10)
Trend by year
ApplicationsOriginations
This countySouth Carolina
Questions and answers
Which lenders are most active in Chesterfield County, SC?
By 2024 originations: Founders Federal Credit Union (78), 21st Mortgage (54), Rocket Mortgage (30), First Ciitizens Bank and Trust (26), Movement Mortgage, LLC (21). 10 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Chesterfield County?
37.3% of decided applications were denied in 2024, against 25.2% across South Carolina and 24.3% nationally.
How many mortgages were originated in Chesterfield County in 2024?
551 loans totalling $97m, from 1,284 applications; 31.4 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 45025; 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.