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State markets/South Carolina/Spartanburg County

COUNTY MORTGAGE MARKET · FIPS 45083

Spartanburg County, South Carolina

Who lends in Spartanburg County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$2.65B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

10,853

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

17.7%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

462

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 462 lenders that originated in Spartanburg County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

198

unconcentrated

Top-5 lender share

24.6%

of originations

Purchase

75.2%

7,029 loans

Refinance

24.8%

2,323 loans

Origination trend

Annual mortgage origination volume and loan count in Spartanburg County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Spartanburg County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Spartanburg County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR SPARTANBURG COUNTY →

TOP TEN LENDERS IN SPARTANBURG COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

560$145.1M$145.1M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
481$134.9M$134.9M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
663$134.5M$134.5M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
473$120.6M$120.6M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
447$116.9M$116.9M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
312$76.8M$76.8M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
409$58.6M$58.6M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
214$57.5M$57.5M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
263$56.2M$56.2M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
211$50.9M$50.9M originated in Spartanburg County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Spartanburg County

All 34 ZIP Code Tabulation Areas that touch Spartanburg County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
88 of the 16 Spartanburg County tracts this ZIP area touches sit mostly inside it.37,21821.3%10,854——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 17 Spartanburg County tracts this ZIP area touches sit mostly inside it.30,01353.0%4,866——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 17 Spartanburg County tracts this ZIP area touches sit mostly inside it.27,40855.8%5,905——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Spartanburg County tracts this ZIP area touches sit mostly inside it.26,43331.8%6,890——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Spartanburg County tracts this ZIP area touches sit mostly inside it.20,98332.3%5,794——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Spartanburg County tracts this ZIP area touches sit mostly inside it.20,41928.7%4,881——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Spartanburg County tracts this ZIP area touches sit mostly inside it.20,38426.9%5,695——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Spartanburg County tracts this ZIP area touches sit mostly inside it.18,89239.8%4,583——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Spartanburg County tracts this ZIP area touches sit mostly inside it.18,76037.6%5,572——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Spartanburg County tracts this ZIP area touches sit mostly inside it.16,27036.6%3,752——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Spartanburg County tracts this ZIP area touches sit mostly inside it.14,98324.5%4,998——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Spartanburg County tracts this ZIP area touches sit mostly inside it.14,94467.4%3,159——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Spartanburg County tracts this ZIP area touches sit mostly inside it.13,48814.5%3,947——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Spartanburg County tracts this ZIP area touches sit mostly inside it.13,10521.3%3,457——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 10 Spartanburg County tracts this ZIP area touches sit mostly inside it.7,09638.9%1,788——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Spartanburg County tracts this ZIP area touches sit mostly inside it.5,49937.2%1,387——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Spartanburg County tracts this ZIP area touches sit mostly inside it.5,40615.7%1,857——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Spartanburg County tracts this ZIP area touches sit mostly inside it.5,39319.1%1,410——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Spartanburg County tracts this ZIP area touches sit mostly inside it.4,30418.5%1,492——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Spartanburg County tracts this ZIP area touches sit mostly inside it.3,53324.5%1,238——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Spartanburg County tracts this ZIP area touches sit mostly inside it.3,46615.8%1,164——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Spartanburg County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

87 of Spartanburg County’s 87 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Spartanburg County

All 87 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

87 OF 87 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
—0.0%2,96147.9%OPEN →
Moderate72.5%1,04086.4%OPEN →
Moderate52.6%1,41691.5%OPEN →
Middle101.3%3,11272.4%OPEN →
Middle104.2%2,08259.3%OPEN →
Moderate66.5%2,39248.4%OPEN →
Moderate53.3%3,06183.3%OPEN →
Middle111.5%2,05664.3%OPEN →
Low20.4%1,26492.2%OPEN →
Middle103.0%1,40259.8%OPEN →
Low49.5%2,61289.2%OPEN →
Middle84.0%3,88960.5%OPEN →
Upper195.7%3,82119.1%OPEN →
Moderate78.9%2,47350.9%OPEN →
Upper169.8%2,62711.7%OPEN →
Upper142.4%5,40328.4%OPEN →
Middle102.8%1,61322.9%OPEN →
Middle112.5%3,93827.2%OPEN →
Moderate74.4%3,87654.4%OPEN →
Moderate79.4%3,47046.3%OPEN →
Moderate70.5%3,52565.1%OPEN →
Low44.5%4,40572.2%OPEN →
Middle103.9%8,73039.7%OPEN →
Moderate57.1%2,13665.1%OPEN →
Low26.8%2,75168.8%OPEN →
Moderate72.3%2,86754.9%OPEN →
Upper120.5%8,53537.0%OPEN →
Middle80.4%1,96756.0%OPEN →
Moderate74.0%4,48956.8%OPEN →
Middle96.0%4,54941.0%OPEN →
Low38.4%2,73258.6%OPEN →
Upper149.5%6,24739.7%OPEN →
Middle104.9%4,17763.9%OPEN →
Middle115.8%4,44448.6%OPEN →
Middle119.0%3,49029.9%OPEN →
Middle110.5%2,08714.2%OPEN →
Middle97.0%4,55222.6%OPEN →
Middle92.2%4,25623.3%OPEN →
Moderate61.9%1,96726.5%OPEN →
Middle86.2%5,14818.8%OPEN →
—0.0%98927.8%OPEN →
Middle108.0%4,41713.0%OPEN →
Middle104.9%6,71715.5%OPEN →
Upper121.2%4,10920.8%OPEN →
Upper123.9%9,33733.3%OPEN →
Middle110.3%2,93311.3%OPEN →
Middle101.0%4,21521.6%OPEN →
Upper160.2%1,97812.1%OPEN →
Middle104.9%4,25723.2%OPEN →
Upper124.8%4,01226.4%OPEN →
Middle94.3%4,43711.0%OPEN →
Middle87.5%3,46615.8%OPEN →
Middle87.7%1,90312.1%OPEN →
Upper121.0%6,45812.7%OPEN →
Upper142.2%2,0549.1%OPEN →
Upper127.6%5,26225.9%OPEN →
Upper120.3%2,58814.6%OPEN →
Middle95.6%6,36627.3%OPEN →
Middle109.5%2,62536.8%OPEN →
Middle94.0%5,14827.8%OPEN →
Middle107.0%3,50330.0%OPEN →
Upper127.1%3,02917.3%OPEN →
Middle108.5%8,70330.5%OPEN →
Middle90.3%5,69344.1%OPEN →
Moderate76.1%1,99649.8%OPEN →
Moderate58.7%4,65340.2%OPEN →
Middle101.3%4,03420.1%OPEN →
Middle97.2%4,53433.5%OPEN →
Middle103.9%2,04226.8%OPEN →
Moderate59.9%5,27069.4%OPEN →
Upper142.5%2,45941.3%OPEN →
Upper143.1%4,30118.5%OPEN →
Upper174.3%7,04625.4%OPEN →
Upper140.6%4,34637.0%OPEN →
Upper143.8%4,03527.3%OPEN →
Upper125.3%6,23129.3%OPEN →
Upper132.4%3,51422.7%OPEN →
Upper122.4%5,28714.7%OPEN →
Middle86.7%1,33422.0%OPEN →
Middle83.9%4,84837.3%OPEN →
Middle89.5%4,30418.5%OPEN →
Upper141.5%2,65222.7%OPEN →
Middle114.5%3,03515.8%OPEN →
Upper123.5%2,77511.3%OPEN →
Moderate69.8%2,61827.3%OPEN →
Middle98.6%1,38919.2%OPEN →
Middle90.4%3,53324.5%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

347,852

Median household income

$66,234

Median home value

$233,300

Median gross rent

$1,084

per month

Owner-occupied

73.0%

of occupied units

Housing units

144,170

8.7% vacant

Poverty rate

14.5%

Unemployment

4.3%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 90.6

Social vulnerability

Relatively Low

Community resilience

Relatively Moderate

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

69

Declarations recorded

25

Incident types on record: Biological, Drought, Flood, Hurricane, Severe Ice Storm, Severe Storm, Tropical Storm, Winter Storm.

Everything we hold on Spartanburg County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Spartanburg County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Spartanburg County →Every reported application and origination in FIPS 45083, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Spartanburg County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

883

—

Purchase share

52.4%

463 loans

IRRRL refinances

308

Cash-out refinances

112

2026883—463308112
2025925—595189141
2024750—54586119
2023686—5468132
2022——552130282
20211,487—541788158
20201,359—570643146
2019714—47477163
2018700—44659195
2017767—456157154
2016642—39415197
2015549—33513381

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Spartanburg County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Spartanburg County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

3,986

+29.0% vs 2024

Multifamily · 2025

0

−100.0% vs 2024

Total authorized · 2025

3,986

+27.4% vs 2024

Permit valuation · 2025

$831.7M

authorized construction value

Units authorized by year

Spartanburg County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420253,986 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Spartanburg County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Greenville County, SC2,8095,295$171.0M
outflow2223Greenville County, SC1,9193,406$110.8M
inflow2223Other flows - South, DS1,5973,016$113.3M
outflow2223Other flows - South, DS1,4722,701$87.2M
inflow2223Other flows - Northeast, DS7041,441$47.9M
inflow2223Other flows - Midwest, DS515973$36.4M
inflow2223Other flows - West, DS420935$29.9M
outflow2223Cherokee County, SC419812$20.3M
inflow2223Cherokee County, SC395749$16.7M
outflow2223Other flows - Northeast, DS370596$18.7M
outflow2223Other flows - Midwest, DS358616$24.1M
outflow2223Other flows - West, DS293547$18.3M
inflow2223Anderson County, SC237402$12.0M
outflow2223Laurens County, SC186376$8.9M
inflow2223Union County, SC178335$6.7M
outflow2223Anderson County, SC174314$9.5M
inflow2223Mecklenburg County, NC167263$9.8M
inflow2223Laurens County, SC167308$7.5M
outflow2223Union County, SC163325$6.5M
outflow2223Mecklenburg County, NC153205$9.2M
inflow2223Buncombe County, NC149261$8.9M
outflow2223Pickens County, SC148244$7.5M
inflow2223Henderson County, NC147303$9.7M
outflow2223Richland County, SC139215$6.0M
inflow2223Richland County, SC131197$6.8M
inflow2223Pickens County, SC127229$5.7M
inflow2223York County, SC125216$7.1M
outflow2223Charleston County, SC120176$16.6M
inflow2223Charleston County, SC116180$6.9M
inflow2223Sacramento County, CA99283$4.6M
inflow2223Polk County, NC97166$5.0M
inflow2223Rutherford County, NC90174$6.5M
inflow2223Lexington County, SC88158$5.8M
outflow2223York County, SC86143$4.2M
outflow2223Rutherford County, NC77155$3.9M
outflow2223Polk County, NC76145$4.2M
outflow2223Lexington County, SC75140$4.6M
inflow2223Gaston County, NC74161$4.0M
outflow2223Buncombe County, NC70105$4.3M
outflow2223Horry County, SC69121$3.5M
inflow2223Horry County, SC69117$3.7M
inflow2223Cleveland County, NC66139$2.9M
outflow2223Henderson County, NC65115$3.7M
outflow2223Oconee County, SC59102$5.3M
outflow2223Berkeley County, SC56109$3.3M
inflow2223Broward County, FL56106$3.2M
inflow2223Maricopa County, AZ55104$3.5M
outflow2223Cleveland County, NC52102$2.6M
outflow2223Greenwood County, SC5288$2.2M
outflow2223Foreign - Other flows, FR5083$2.1M
inflow2223Beaufort County, SC50106$5.5M
inflow2223Berkeley County, SC5096$2.8M
inflow2223Greenwood County, SC4980$3.1M
inflow2223Miami-Dade County, FL4772$2.2M
inflow2223Palm Beach County, FL4681$3.1M
inflow2223Los Angeles County, CA4585$3.0M
inflow2223Orange County, FL4385$2.4M
inflow2223San Diego County, CA43102$3.5M
inflow2223Wake County, NC4274$4.0M
inflow2223Pinellas County, FL4275$2.8M
inflow2223Lee County, FL4069$1.9M
outflow2223Fulton County, GA4057$1.8M
inflow2223King County, WA3996$4.1M
inflow2223Suffolk County, NY3883$3.0M
outflow2223Gaston County, NC3768$1.7M
inflow2223Clark County, WA36111$2.2M
inflow2223Dorchester County, SC3662$1.8M
outflow2223Wake County, NC3659$2.4M
inflow2223Foreign - Other flows, FR3674$2.0M
inflow2223Fulton County, GA3563$2.7M
inflow2223Oconee County, SC3453$1.9M
inflow2223Multnomah County, OR3383$1.8M
inflow2223Hampden County, MA32102$2.5M
inflow2223Florence County, SC3254$1.4M
inflow2223Gwinnett County, GA3255$2.1M
outflow2223Dorchester County, SC3162$1.4M
inflow2223Duval County, FL3060$2.2M
inflow2223Hillsborough County, FL3061$1.9M
inflow2223Queens County, NY2955$1.7M
inflow2223Snohomish County, WA29101$2.2M
inflow2223Orange County, CA2863$2.0M
inflow2223Lancaster County, SC2744$1.4M
outflow2223Gwinnett County, GA2647$1.5M
inflow2223Polk County, FL2656$1.4M
inflow2223Aiken County, SC2540$1.5M
outflow2223Maricopa County, AZ2541$2.6M
inflow2223Newberry County, SC2437$1.0M
outflow2223Duval County, FL2448$1.6M
inflow2223Forsyth County, NC2452$1.9M
inflow2223Guilford County, NC2452$1.5M
inflow2223Transylvania County, NC2447$1.6M
inflow2223Brevard County, FL2345$1.7M
inflow2223Harris County, TX2341$2.0M
inflow2223Kings County, NY2349$1.2M
inflow2223Manatee County, FL2346$1.9M
outflow2223Chatham County, GA2233$1.1M
outflow2223Beaufort County, SC2240$4.0M
outflow2223Orange County, FL2235$883K
outflow2223DeKalb County, GA2228$1.3M
inflow2223Volusia County, FL2251$1.4M
inflow2223Cook County, IL2239$2.0M
inflow2223Union County, NC2256$1.4M
inflow2223Pierce County, WA2245$1.0M
outflow2223Harris County, TX2127$959K
outflow2223Abbeville County, SC2145$931K
outflow2223Hillsborough County, FL2137$802K
outflow2223San Diego County, CA2133$960K
inflow2223Capitol Planning Region, CT2137$1.4M
inflow2223Tarrant County, TX2150$1.5M
inflow2223Lake County, FL2142$994K
inflow2223Franklin County, OH2130$958K
inflow2223Sumter County, SC2136$854K
inflow2223Knox County, TN2145$1.4M
outflow2223Cook County, IL2023$1.9M
inflow2223Riverside County, CA2044$1.7M
inflow2223Chatham County, GA2027$888K
inflow2223Philadelphia County, PA2028$892K
inflow2223Orangeburg County, SC2028$718K
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Greenville County, SC2,6595,110$149.2M
outflow2122Greenville County, SC1,8343,343$114.7M
inflow2122Other flows - South, DS1,5943,001$98.8M
outflow2122Other flows - South, DS1,3682,525$83.6M
inflow2122Other flows - Northeast, DS7041,499$42.8M
inflow2122Other flows - Midwest, DS5621,124$40.5M
inflow2122Cherokee County, SC453842$21.5M
inflow2122Other flows - West, DS433937$29.2M
outflow2122Cherokee County, SC366717$16.5M
outflow2122Other flows - Midwest, DS339621$20.0M
outflow2122Other flows - Northeast, DS287482$15.2M
outflow2122Other flows - West, DS278465$15.3M
inflow2122Sacramento County, CA219670$12.8M
inflow2122Anderson County, SC215367$10.9M
outflow2122Laurens County, SC196398$7.6M
inflow2122Buncombe County, NC183344$9.7M
inflow2122Union County, SC179329$7.3M
inflow2122Laurens County, SC171321$6.7M
inflow2122Henderson County, NC161298$9.4M
outflow2122Anderson County, SC161309$10.3M
outflow2122Union County, SC157315$6.6M
inflow2122Richland County, SC142216$7.0M
outflow2122Mecklenburg County, NC138205$6.8M
outflow2122Richland County, SC129186$5.8M
inflow2122Pickens County, SC126200$5.0M
inflow2122Mecklenburg County, NC124220$15.7M
inflow2122York County, SC118213$6.9M
outflow2122Pickens County, SC116222$5.9M
inflow2122Charleston County, SC114185$7.0M
outflow2122Charleston County, SC107148$14.7M
inflow2122Lexington County, SC105194$5.6M
inflow2122Polk County, NC100185$6.9M
outflow2122York County, SC93156$5.4M
inflow2122Rutherford County, NC81145$4.1M
outflow2122Horry County, SC76146$5.4M
outflow2122Rutherford County, NC76144$3.1M
inflow2122Clark County, WA75218$4.9M
outflow2122Lexington County, SC75131$3.3M
inflow2122Cleveland County, NC72130$3.1M
inflow2122Horry County, SC68114$3.1M
outflow2122Polk County, NC65124$6.3M
outflow2122Buncombe County, NC62103$2.9M
inflow2122Greenwood County, SC5897$2.3M
inflow2122Multnomah County, OR57199$3.3M
inflow2122Gaston County, NC5797$2.1M
inflow2122Maricopa County, AZ56108$7.0M
inflow2122Broward County, FL5099$3.5M
outflow2122Henderson County, NC4975$2.6M
inflow2122Berkeley County, SC4987$3.1M
inflow2122Palm Beach County, FL4897$3.2M
outflow2122Berkeley County, SC4888$3.7M
inflow2122Wake County, NC4891$3.6M
outflow2122Oconee County, SC4790$3.1M
inflow2122Pierce County, WA45131$3.3M
inflow2122King County, WA4398$2.3M
inflow2122Oconee County, SC4377$1.9M
outflow2122Greenwood County, SC4374$2.3M
inflow2122Los Angeles County, CA3964$3.1M
inflow2122San Diego County, CA3882$3.4M
inflow2122Hillsborough County, FL3886$2.0M
outflow2122Cleveland County, NC3759$2.0M
outflow2122Wake County, NC3761$2.6M
inflow2122Miami-Dade County, FL3769$3.0M
inflow2122Orange County, FL3769$1.8M
outflow2122Gaston County, NC3662$1.7M
inflow2122Beaufort County, SC3660$2.4M
inflow2122Suffolk County, NY3665$2.3M
outflow2122Duval County, FL3558$1.8M
inflow2122Snohomish County, WA35123$2.2M
inflow2122Gwinnett County, GA3462$2.2M
inflow2122Clackamas County, OR34119$1.9M
inflow2122Cobb County, GA3256$2.5M
outflow2122Fulton County, GA3149$3.0M
inflow2122Duval County, FL3161$1.6M
inflow2122Riverside County, CA3070$1.8M
inflow2122Queens County, NY3051$2.1M
inflow2122Polk County, FL2974$1.5M
outflow2122Gwinnett County, GA2955$2.4M
inflow2122Lancaster County, SC2945$1.8M
inflow2122Pinellas County, FL2848$1.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Spartanburg County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals3,505.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals1,177.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals4,682.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals275,000.0
2023BothNo CharacteristicAll Appraisals284,000.0
2023PurchaseNo CharacteristicAll Appraisals285,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals275,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals280,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,083.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals263,500.0
2022BothNo CharacteristicAll Appraisals6,584.0
2022PurchaseNo CharacteristicAll Appraisals4,501.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals240,000.0
2021BothNo CharacteristicAll Appraisals8,198.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals5,145.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals3,053.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals245,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals245,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals6,890.0
2020PurchaseNo CharacteristicAll Appraisals4,250.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals220,000.0
2020RefinanceNo CharacteristicAll Appraisals235,000.0
2020RefinanceNo CharacteristicAll Appraisals2,640.0
2020PurchaseNo CharacteristicAll Appraisals212,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals196,000.0
2019PurchaseNo CharacteristicAll Appraisals3,659.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals200,000.0
2019BothNo CharacteristicAll Appraisals5,303.0
2019RefinanceNo CharacteristicAll Appraisals1,644.0
2019PurchaseNo CharacteristicAll Appraisals195,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals177,000.0
2018BothNo CharacteristicAll Appraisals4,442.0
2018PurchaseNo CharacteristicAll Appraisals3,321.0
2018RefinanceNo CharacteristicAll Appraisals1,121.0
2018BothNo CharacteristicAll Appraisals185,000.0
2018PurchaseNo CharacteristicAll Appraisals189,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals169,300.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals4,279.0
2017PurchaseNo CharacteristicAll Appraisals3,011.0
2017PurchaseNo CharacteristicAll Appraisals175,000.0
2017RefinanceNo CharacteristicAll Appraisals1,268.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals173,000.0
2016PurchaseNo CharacteristicAll Appraisals2,673.0
2016RefinanceNo CharacteristicAll Appraisals185,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals171,400.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals176,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals4,363.0
2016RefinanceNo CharacteristicAll Appraisals1,690.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals155,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals165,000.0
2015BothNo CharacteristicAll Appraisals3,656.0
2015RefinanceNo CharacteristicAll Appraisals1,351.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals2,305.0
2015BothNo CharacteristicAll Appraisals158,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals155,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Spartanburg County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05176,621169,6576,9643.9%
2026-04175,328168,7346,5943.8%
2026-03175,735168,3437,3924.2%
2026-02176,330166,7509,5805.4%
2026-01175,462165,7679,6955.5%
2025-12174,531166,0538,4784.9%
2025-11174,749166,0068,7435.0%
2025-09171,568163,8067,7624.5%
2025-08170,632162,2348,3984.9%
2025-07171,530162,9828,5485.0%
2025-06172,725164,5898,1364.7%
2025-05170,789163,7307,0594.1%
2025-04170,250163,5776,6733.9%
2025-03170,857163,8856,9724.1%
2025-02170,487162,7617,7264.5%
2025-01169,899162,4117,4884.4%
2024-12168,465161,7116,7544.0%
2024-11168,277160,9767,3014.3%
2024-10168,953161,4007,5534.5%
2024-09169,300162,1737,1274.2%
2024-08169,049160,6528,3975.0%
2024-07170,179161,2388,9415.3%
2024-06170,263162,1578,1064.8%
2024-05167,831161,4076,4243.8%
2024-04167,231161,8425,3893.2%
2024-03167,865161,8336,0323.6%
2024-02167,149160,6316,5183.9%
2024-01166,127160,1565,9713.6%
2023-12165,319160,0655,2543.2%
2023-11165,435160,3885,0473.1%
2023-10165,014159,7455,2693.2%
2023-09163,580159,1144,4662.7%
2023-08163,403158,7564,6472.8%
2023-07163,499158,3985,1013.1%
2023-06164,219158,8325,3873.3%
2023-05162,250158,0044,2462.6%
2023-04161,992158,1883,8042.3%
2023-03163,155158,4904,6652.9%
2023-02162,146156,6465,5003.4%
2023-01160,583155,3955,1883.2%
2022-12159,308154,7364,5722.9%
2022-11158,025153,5324,4932.8%
2022-10158,900153,7435,1573.2%
2022-09157,640152,9984,6422.9%
2022-08157,164151,7695,3953.4%
2022-07157,678152,1935,4853.5%
2022-06158,630152,9655,6653.6%
2022-05157,593153,0414,5522.9%
2022-04157,139153,1743,9652.5%
2022-03158,675153,9094,7663.0%
2022-02158,492152,7425,7503.6%
2022-01157,051151,3395,7123.6%
2021-12156,070151,3484,7223.0%
2021-11155,336150,4374,8993.2%
2021-10155,543150,4505,0933.3%
2021-09155,135149,9735,1623.3%
2021-08155,884149,4926,3924.1%
2021-07156,439149,5646,8754.4%
2021-06158,403151,0447,3594.6%
2021-05155,932150,0615,8713.8%
2021-04156,206150,2375,9693.8%
2021-03157,518150,7366,7824.3%
2021-02156,948149,5747,3744.7%
2021-01156,208148,6127,5964.9%
2020-12156,792149,2277,5654.8%
2020-11156,922149,4317,4914.8%
2020-10158,220150,1258,0955.1%
2020-09157,303148,1689,1355.8%
2020-08157,232147,4049,8286.3%
2020-07155,809143,60612,2037.8%
2020-06157,693144,11813,5758.6%
2020-05155,855138,97016,88510.8%
2020-04159,912138,45121,46113.4%
2020-03152,914148,1004,8143.1%
2020-02153,476149,0144,4622.9%
2020-01153,013148,6324,3812.9%
2019-12152,084148,5843,5002.3%
2019-11152,251148,9413,3102.2%
2019-10152,997149,7473,2502.1%
2019-09151,574149,0562,5181.7%
2019-08150,851147,3793,4722.3%
2019-07151,824147,6994,1252.7%
2019-06152,321147,8754,4462.9%
2019-05151,173147,4373,7362.5%
2019-04151,137147,6573,4802.3%
2019-03152,223147,8024,4212.9%
2019-02151,167146,6084,5593.0%
2019-01150,321145,4654,8563.2%
2018-12149,282145,2074,0752.7%
2018-11149,037145,0853,9522.7%
2018-10148,915144,6224,2932.9%
2018-09146,800142,8013,9992.7%
2018-08145,751140,9674,7843.3%
2018-07147,078141,8825,1963.5%
2018-06146,860141,7415,1193.5%
2018-05144,759141,0263,7332.6%
2018-04143,983140,6973,2862.3%
2018-03145,525140,9254,6003.2%
2018-02145,318139,9615,3573.7%
2018-01144,340138,4455,8954.1%

BEA Personal Income

2024$20.64B369,256$56K
2023$19.25B358,690$54K
2022$17.81B346,455$51K
2021$17.86B335,452$53K
2020$15.80B329,405$48K
2019$14.37B323,180$44K
2018$13.30B317,099$42K
2017$12.72B309,272$41K
2016$12.29B303,005$41K
2015$11.69B298,402$39K
2014$11.08B294,491$38K
2013$10.14B291,573$35K
2012$10.37B288,995$36K
2011$9.68B286,575$34K
2010$9.12B284,848$32K
2009$8.86B283,335$31K
2008$9.38B279,673$34K
2007$8.83B274,215$32K
2006$8.30B268,898$31K
2005$7.70B264,481$29K
2004$7.29B261,828$28K
2003$6.90B260,223$27K
2002$6.77B258,467$26K
2001$6.56B256,469$26K
2000$6.39B254,443$25K
1999$5.98B251,886$24K
1998$5.67B249,231$23K
1997$5.43B246,830$22K
1996$5.15B244,333$21K
1995$4.88B241,114$20K
1994$4.58B238,070$19K
1993$4.34B235,243$18K
1992$4.06B233,214$17K
1991——$17K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Spartanburg County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-09-27$291K$221K$70KYes
2024-09-27$10K$4K$6KYes
2024-09-27$86K$71K$15KYes
2024-09-27$65K$50K$15KYes
2024-09-27$0$0$0Yes
2024-09-27$8K$8K$0Yes
2024-09-27$107K$104K$3KYes
2024-09-27$93K$90K$3KYes
2024-09-27$60K$60K$0Yes
2024-09-27$8K$7K$592.01Yes
2024-09-27$0$0$0No
2024-09-27$47K$47K$0Yes
2024-09-27$42K$29K$14KYes
2024-09-27$0——Yes
2024-09-27$0——Yes
2024-09-27$15K$15K$0No
2024-09-27$10K$10K$0Yes
2024-09-27$0——Yes
2024-09-27$52K$32K$20KNo
2024-09-27$32K$32K$0Yes
2024-09-27$77K$77K$0Yes
2024-09-27$7K$4K$3KYes
2024-09-27$22K$22K$0Yes
2024-09-27$45K$45K$0No
2024-09-27$31K$31K$0Yes
2024-09-27$6K$6K$0Yes
2024-09-26$1K$1K$0Yes
2024-09-26$80K$66K$13KYes
2024-08-06$0——Yes
2024-08-03$11K$11K$105.53Yes
2024-01-11$0——Yes
2024-01-09$0——Yes
2024-01-09$4K$4K$0Yes
2024-01-09$0$0$0Yes
2024-01-09$10K$10K$0Yes
2024-01-09$33K$32K$950.86Yes
2024-01-09$0——Yes
2021-08-17$0——Yes
2021-03-25$2K$2K$0No
2021-03-25$4K$4K$0Yes
2020-12-19$0——Yes
2020-11-11$0——Yes
2020-05-19$0$0$0Yes
2020-05-05$0$0$0Yes
2020-05-05$5K$5K$0Yes
2020-02-06$12K$12K$0Yes
2020-02-06$4K$4K$0Yes
2020-02-06$6K$0$6KYes
2020-02-06$23K$19K$4KYes
2020-02-06$0——Yes
2020-02-06$9K$9K$0Yes
2020-02-06$79K$63K$15KYes
2020-02-06$193K$141K$52KYes
2020-02-06$21K$13K$8KYes
2020-02-06$18K$18K$0Yes
2020-02-06$5K$5K$0Yes
2020-02-06$2K$2K$0Yes
2019-02-18$1K$1K$0Yes
2018-11-12$0——Yes
2018-10-11$11K$11K$0Yes
2018-10-11$6K$6K$0Yes
2018-10-11$25K$15K$10KYes
2018-07-04$0——Yes
2017-06-19$0——Yes
2015-12-27$0——Yes
2015-10-07$3K$3K$0Yes
2015-10-06$0——Yes
2015-10-05$0——Yes
2015-10-03$0——Yes
2015-09-30$0——No
2014-08-09$171.58$0$171.58Yes
2014-08-09$2K$2K$0Yes
2014-08-01$6K$6K$0Yes
2014-02-03$0——Yes
2013-10-07$145K$119K$26KYes
2013-10-06$7K$6K$1KYes
2013-06-19$2K$2K$0Yes
2013-06-01$0——Yes
2013-05-05$0——Yes
2013-05-05$0——Yes
2013-01-17$0——Yes
2010-01-25$0——Yes
2010-01-24$9K$9K$0Yes
2009-12-02$12K$12K$0Yes
2009-11-11$5K$5K$0Yes
2009-11-10$0——Yes
2009-04-02$5K$5K$0Yes
2008-12-11$0——Yes
2007-01-26$42K$42K$0No
2006-06-25$24K$16K$8KYes
2005-10-19$0——Yes
2005-10-15$3K$3K$0Yes
2005-10-10$7K$7K$0Yes
2005-10-08$52K$36K$0No
2005-10-07$3K$3K$0No
2005-10-07$13K$13K$0Yes
2005-10-07$7K$6K$389.2Yes
2005-10-07$0——No
2005-10-07$5K$2K$3KYes
2005-07-07$5K$5K$0No

ALSO CHECKED

18 more data areas were checked for Spartanburg County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the SC state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN SPARTANBURG COUNTY →Opens the loan explorer already filtered to county FIPS 45083.

See the South Carolina state market profile for the statewide picture, the South Carolina state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.