Myrtle Beach-Conway-North Myrtle Beach Mortgage Lending in 2025

Explore mortgage lending activity in Myrtle Beach-Conway-North Myrtle Beach (MSA/MD Code 34820) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 34820
8,979 Loans Originated
• Primary State: South Carolina (SC)
• $2.68 Billion Originated Volume
• $275,000 Median Loan
Actionable Applications 11,933 +4.47% vs 2024
Approval Rate 79.12% +0.85 pp vs 2024
Denial Rate 20.88% -0.85 pp vs 2024
Loan Originations 8,979 +5.03% vs 2024
Originated Volume $2.68 Billion +10.94% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 11,933 actionable applications (Actions 1, 2, and 3).

79.12%
20.88%
9,441 approved 2,492 denied
Action 1: Originated
8,979 (75.25%)
Action 2: Approved not accepted
462 (3.87%)
Action 3: Denied
2,492 (20.88%)
Action 4: Withdrawn (not in denominator)
2,472 —
Action 5: Incomplete (not in denominator)
934 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Myrtle Beach-Conway-North Myrtle Beach Compares

Metro vs. State Baseline (2025)

Metric Myrtle Beach-Conway-North Myrtle Beach South Carolina
Actionable Apps 11,933 128,189
Approval Rate 79.12% 78.99%
Denial Rate 20.88% 21.01%
Originations 8,979 95,845
Originated Volume $2.68 Billion $31.82 Billion
Median Loan $275,000 $285,000
Compared against South Carolina statewide baseline in 2025.

Lending Trends in Myrtle Beach-Conway-North Myrtle Beach

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 14,512 15,339 +5.70%
Actionable Apps 11,422 11,933 +4.47%
Originations 8,549 8,979 +5.03%
Approval Rate 78.27% 79.12% +0.85 pp
Denial Rate 21.73% 20.88% -0.85 pp
Median Loan $265,000 $275,000 +3.77%
Dollar Volume $2.42 Billion $2.68 Billion +10.94%

Applications by Borrower Income (Myrtle Beach-Conway-North Myrtle Beach)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 2,492 86.88% 13.12%
$150k+ 2,023 89.32% 10.68%
$50k–$99,999 4,937 79.24% 20.76%
<$50k 1,723 52.52% 47.48%
Income unavailable/entity 758 86.02% 13.98%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within South Carolina (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 34820, anchored in South Carolina (SC).
Metro Share of State Apps 9.31%
Metro Share of State Volume 8.43%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore South Carolina statewide mortgage activity

Myrtle Beach-Conway-North Myrtle Beach is part of OpenFileData’s statewide coverage of South Carolina. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

South Carolina Statewide Overview Active Profile
Statewide Actionable Applications: 128,189
Explore South Carolina State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

South Carolina Profile

Compare all metropolitan areas located in South Carolina.

View State Page →

Download Data

Export official Myrtle Beach-Conway-North Myrtle Beach mortgage data for research or analysis.

CSV Export JSON Export

Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.