21st Mortgage in South Carolina vs the state
48.2%Denial rate+29.85 pts vs state
70.6%Decision denial rate+47.09 pts vs state
18.5%Origination rate-38.07 pts vs state
10.41%Median rate+3.91 pts vs state
4.57Rate spread (pts)+4.35 pts vs state
$61kMedian applicant income
1,207Loans originated
3,135Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,640 | 1,174 | 55.2% | 9.85% | #3 |
| 2024 | 6,941 | 1,212 | 48.7% | 10.21% | #4 |
| 2025 | 6,510 | 1,207 | 48.2% | 10.41% | #4 |
What 21st Mortgage lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aiken County | 459 | 100 | 230 | 50.1% |
| Horry County | 438 | 50 | 234 | 53.4% |
| Florence County | 422 | 57 | 228 | 54.0% |
| Lexington County | 364 | 91 | 162 | 44.5% |
| Orangeburg County | 359 | 39 | 225 | 62.7% |
| Berkeley County | 312 | 61 | 160 | 51.3% |
| Anderson County | 276 | 51 | 121 | 43.8% |
| Darlington County | 255 | 55 | 125 | 49.0% |
| Dillon County | 221 | 38 | 115 | 52.0% |
| Dorchester County | 184 | 39 | 79 | 42.9% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 6,510 applications in 2025, of which 1,207 were originated and 3,135 denied.
48.2% of all applications, or 70.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans 21st Mortgage originated in South Carolina in 2025 was 10.41%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage'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