Sumter Mortgage Lending in 2025
Explore mortgage lending activity in Sumter (MSA/MD Code 44940) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.
Credit Decision Outcomes (2025)
Outcomes for 2,241 actionable applications (Actions 1, 2, and 3).
How Sumter Compares
Metro vs. State Baseline (2025)
| Metric | Sumter | South Carolina |
|---|---|---|
| Actionable Apps | 2,241 | 128,189 |
| Approval Rate | 76.75% | 78.99% |
| Denial Rate | 23.25% | 21.01% |
| Originations | 1,591 | 95,845 |
| Originated Volume | $378.99 Million | $31.82 Billion |
| Median Loan | $225,000 | $285,000 |
Lending Trends in Sumter
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 2,951 | 2,989 | +1.29% |
| Actionable Apps | 2,281 | 2,241 | -1.75% |
| Originations | 1,570 | 1,591 | +1.34% |
| Approval Rate | 74.09% | 76.75% | +2.66 pp |
| Denial Rate | 25.91% | 23.25% | -2.66 pp |
| Median Loan | $215,000 | $225,000 | +4.65% |
| Dollar Volume | $359.26 Million | $378.99 Million | +5.49% |
Applications by Borrower Income (Sumter)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 388 | 84.79% | 15.21% |
| $150k+ | 212 | 85.85% | 14.15% |
| $50k–$99,999 | 989 | 79.47% | 20.53% |
| <$50k | 408 | 51.96% | 48.04% |
| Income unavailable/entity | 244 | 86.48% | 13.52% |
Geographic Market Context
Regional integration within South Carolina (2025)
44940, anchored in South Carolina (SC).
Parent State Association
Explore South Carolina statewide mortgage activity
Sumter is part of OpenFileData’s statewide coverage of South Carolina. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →