Affinity in South Carolina vs the state
29.2%Denial rate+10.86 pts vs state
35.0%Decision denial rate+11.53 pts vs state
54.2%Origination rate-2.44 pts vs state
4.90%Median rate-1.60 pts vs state
-2.30Rate spread (pts)-2.52 pts vs state
$104kMedian applicant income
13Loans originated
7Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 8 | 43.5% | 7.94% | #405 |
| 2024 | 9 | 4 | 33.3% | 7.87% | #555 |
| 2025 | 24 | 13 | 29.2% | 4.90% | #419 |
What Affinity lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 7 | 6 | 1 | 14.3% |
| Greenville County | 4 | 2 | 1 | 25.0% |
| Georgetown County | 3 | 0 | 2 | 66.7% |
| Lancaster County | 2 | 1 | 0 | 0.0% |
| Beaufort County | 1 | 0 | 1 | 100.0% |
| Oconee County | 1 | 0 | 0 | 0.0% |
| Spartanburg County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Jasper County | 1 | 1 | 0 | 0.0% |
| Charleston County | 1 | 0 | 1 | 100.0% |
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: 24 applications in 2025, of which 13 were originated and 7 denied.
29.2% of all applications, or 35.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Affinity originated in South Carolina in 2025 was 4.90%, against a statewide median of 6.50%.
About this data. Figures are Affinity'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