Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Charleston County, South Carolina
Every institution that decided a 1–4 unit mortgage application in Charleston County between 2023 and 2025: 37,474 applications, 28,874 loans actually funded, across 8 kinds of borrowing.
Charleston County at a glance
37,474Applications decided
2023–2025
28,874Loans funded
77% of decisions
98Census tracts
25 ZIP codes
414,711People
ACS 2023
What the data shows
Lenders approved 86.9% of home-purchase applications in Charleston County, 3.5 points above the South Carolina rate.
The typical purchase mortgage here is $435K.
Investment home improvement is the hardest money to get here: lenders approved 58% of 374 applications.
Lending by loan type in Charleston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.9% | 17,811 | $435K | 97% | 537 |
| Home improvement loans | 66.4% | 5,326 | $105K | 95% | 148 |
| Cash-out refinance | 73.2% | 5,346 | $195K | 96% | 264 |
| Refinance | 77.3% | 3,958 | $335K | 93% | 272 |
| Investment property purchase | 89.4% | 3,197 | $475K | 96% | 391 |
| Investment cash-out refinance | 72.4% | 868 | $235K | 90% | 166 |
| Investment refinance | 76.4% | 594 | $375K | 95% | 163 |
| Investment home improvement | 58.0% | 374 | $295K | 94% | 74 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.