Acopia in South Carolina vs the state
2.3%Denial rate-16.00 pts vs state
2.6%Decision denial rate-20.85 pts vs state
76.5%Origination rate+19.91 pts vs state
5.99%Median rate-0.51 pts vs state
-0.14Rate spread (pts)-0.36 pts vs state
$91kMedian applicant income
365Loans originated
11Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 446 | 343 | 4.5% | 6.63% | #93 |
| 2024 | 496 | 363 | 4.0% | 6.50% | #90 |
| 2025 | 477 | 365 | 2.3% | 5.99% | #103 |
What Acopia lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 146 | 119 | 3 | 2.1% |
| Greenwood County | 95 | 82 | 1 | 1.1% |
| Anderson County | 76 | 57 | 2 | 2.6% |
| Greenville County | 67 | 45 | 2 | 3.0% |
| Pickens County | 28 | 21 | 0 | 0.0% |
| Abbeville County | 16 | 13 | 2 | 12.5% |
| Oconee County | 15 | 10 | 1 | 6.7% |
| Laurens County | 14 | 7 | 0 | 0.0% |
| Sumter County | 4 | 2 | 0 | 0.0% |
| Beaufort County | 3 | 2 | 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: 477 applications in 2025, of which 365 were originated and 11 denied.
2.3% of all applications, or 2.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Acopia originated in South Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are Acopia'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