American Financing in South Carolina vs the state
47.4%Denial rate+29.08 pts vs state
64.5%Decision denial rate+41.03 pts vs state
18.3%Origination rate-38.35 pts vs state
5.99%Median rate-0.51 pts vs state
0.25Rate spread (pts)+0.03 pts vs state
$79kMedian applicant income
84Loans originated
218Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 291 | 61 | 40.6% | 6.50% | #121 |
| 2024 | 410 | 78 | 53.9% | 5.99% | #100 |
| 2025 | 460 | 84 | 47.4% | 5.99% | #105 |
What American Financing lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 44 | 9 | 25 | 56.8% |
| Greenville County | 41 | 7 | 19 | 46.3% |
| Lexington County | 36 | 8 | 10 | 27.8% |
| Spartanburg County | 34 | 3 | 21 | 61.8% |
| York County | 29 | 7 | 13 | 44.8% |
| Charleston County | 28 | 2 | 15 | 53.6% |
| Berkeley County | 28 | 3 | 16 | 57.1% |
| Richland County | 26 | 6 | 11 | 42.3% |
| Pickens County | 20 | 3 | 7 | 35.0% |
| Dorchester County | 20 | 4 | 9 | 45.0% |
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: 460 applications in 2025, of which 84 were originated and 218 denied.
47.4% of all applications, or 64.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans American Financing originated in South Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are American Financing'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