Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for York County, South Carolina
Every institution that decided a 1–4 unit mortgage application in York County, home to Rock Hill, between 2023 and 2025: 28,050 applications, 21,746 loans actually funded, across 8 kinds of borrowing.
York County at a glance
28,050Applications decided
2023–2025
21,746Loans funded
78% of decisions
55Census tracts
10 ZIP codes
288,559People
ACS 2023
What the data shows
Lenders approved 87.6% of home-purchase applications in York County, 4.3 points above the South Carolina rate.
The typical purchase mortgage here is $335K.
Lending by loan type in York County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.6% | 15,149 | $335K | 96% | 454 |
| Home improvement loans | 67.3% | 3,423 | $105K | 96% | 126 |
| Cash-out refinance | 72.2% | 5,032 | $155K | 95% | 232 |
| Refinance | 79.2% | 3,176 | $335K | 92% | 219 |
| Investment property purchase | 85.3% | 760 | $195K | 95% | 185 |
| Investment cash-out refinance | 72.4% | 257 | $155K | 95% | 77 |
| Investment refinance | 82.5% | 166 | $165K | 95% | 60 |
| Investment home improvement | 51.7% | 87 | $105K | 96% | 29 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.