1st Signature Lending in South Carolina vs the state
5.3%Denial rate-13.01 pts vs state
8.2%Decision denial rate-15.30 pts vs state
59.5%Origination rate+2.89 pts vs state
5.88%Median rate-0.63 pts vs state
0.30Rate spread (pts)+0.08 pts vs state
$70kMedian applicant income
191Loans originated
17Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 112 | 10.9% | 6.88% | #191 |
| 2024 | 260 | 164 | 6.2% | 6.50% | #142 |
| 2025 | 321 | 191 | 5.3% | 5.88% | #133 |
What 1st Signature Lending lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most 1st Signature Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 321 applications in 2025, of which 191 were originated and 17 denied.
5.3% of all applications, or 8.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans 1st Signature Lending originated in South Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology