Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Beaufort County, South Carolina
Every institution that decided a 1–4 unit mortgage application in Beaufort County, home to Hilton Head Island, between 2023 and 2025: 22,089 applications, 16,315 loans actually funded, across 8 kinds of borrowing.
Beaufort County at a glance
22,089Applications decided
2023–2025
16,315Loans funded
74% of decisions
42Census tracts
11 ZIP codes
192,123People
ACS 2023
What the data shows
Lenders approved 79.6% of home-purchase applications in Beaufort County, 3.7 points below the South Carolina rate.
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 55% of 299 applications.
Lending by loan type in Beaufort County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.6% | 10,763 | $375K | 95% | 444 |
| Home improvement loans | 64.1% | 2,404 | $105K | 96% | 105 |
| Cash-out refinance | 68.2% | 2,460 | $245K | 95% | 212 |
| Refinance | 76.3% | 2,029 | $345K | 90% | 213 |
| Investment property purchase | 90.7% | 3,437 | $375K | 98% | 423 |
| Investment cash-out refinance | 74.4% | 360 | $255K | 94% | 119 |
| Investment refinance | 76.6% | 337 | $385K | 93% | 134 |
| Investment home improvement | 54.5% | 299 | $205K | 92% | 73 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.