Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Florence County, South Carolina
Every institution that decided a 1–4 unit mortgage application in Florence County between 2023 and 2025: 9,327 applications, 6,109 loans actually funded, across 8 kinds of borrowing.
Florence County at a glance
9,327Applications decided
2023–2025
6,109Loans funded
65% of decisions
36Census tracts
10 ZIP codes
136,921People
ACS 2023
What the data shows
Lenders approved 71.9% of home-purchase applications in Florence County, 11.4 points below the South Carolina rate.
The typical purchase mortgage here is $225K.
Home improvement loans is the hardest money to get here: lenders approved 53% of 609 applications.
Lending by loan type in Florence County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 71.9% | 5,841 | $225K | 93% | 275 |
| Home improvement loans | 53.2% | 609 | $65K | 94% | 67 |
| Cash-out refinance | 59.9% | 1,271 | $145K | 95% | 113 |
| Refinance | 77.1% | 814 | $195K | 89% | 102 |
| Investment property purchase | 85.7% | 558 | $125K | 94% | 108 |
| Investment cash-out refinance | 62.6% | 83 | $105K | 87% | 45 |
| Investment refinance | 81.6% | 87 | $95K | 96% | 27 |
| Investment home improvement | 60.9% | 64 | $65K | 100% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.