American Heritage Lending in South Carolina vs the state
6.4%Denial rate-11.87 pts vs state
8.9%Decision denial rate-14.55 pts vs state
54.2%Origination rate-2.37 pts vs state
7.56%Median rate+1.06 pts vs state
1.44Rate spread (pts)+1.22 pts vs state
$137kMedian applicant income
160Loans originated
19Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 116 | 5.6% | 8.44% | #163 |
| 2024 | 282 | 168 | 5.3% | 8.00% | #133 |
| 2025 | 295 | 160 | 6.4% | 7.56% | #140 |
What American Heritage 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 American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 114 | 72 | 5 | 4.4% |
| Richland County | 38 | 22 | 1 | 2.6% |
| Greenville County | 27 | 9 | 3 | 11.1% |
| York County | 21 | 9 | 3 | 14.3% |
| Spartanburg County | 19 | 9 | 0 | 0.0% |
| Charleston County | 16 | 9 | 1 | 6.3% |
| Florence County | 7 | 5 | 1 | 14.3% |
| Anderson County | 7 | 3 | 1 | 14.3% |
| Berkeley County | 5 | 1 | 0 | 0.0% |
| Sumter County | 5 | 4 | 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: 295 applications in 2025, of which 160 were originated and 19 denied.
6.4% of all applications, or 8.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans American Heritage Lending originated in South Carolina in 2025 was 7.56%, against a statewide median of 6.50%.
About this data. Figures are American Heritage 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