American Pacific Mortgage in South Carolina vs the state
10.1%Denial rate-8.21 pts vs state
13.2%Decision denial rate-10.30 pts vs state
66.6%Origination rate+9.96 pts vs state
6.75%Median rate+0.25 pts vs state
0.70Rate spread (pts)+0.48 pts vs state
$88kMedian applicant income
468Loans originated
71Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 715 | 481 | 10.5% | 6.50% | #64 |
| 2024 | 350 | 247 | 9.1% | 6.75% | #111 |
| 2025 | 703 | 468 | 10.1% | 6.75% | #79 |
What American Pacific 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 American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 145 | 93 | 17 | 11.7% |
| Anderson County | 143 | 89 | 11 | 7.7% |
| Spartanburg County | 69 | 50 | 5 | 7.2% |
| York County | 46 | 38 | 0 | 0.0% |
| Berkeley County | 34 | 25 | 0 | 0.0% |
| Richland County | 32 | 23 | 6 | 18.8% |
| Laurens County | 32 | 24 | 5 | 15.6% |
| Dorchester County | 20 | 11 | 4 | 20.0% |
| Greenville County | 20 | 12 | 4 | 20.0% |
| Charleston County | 19 | 11 | 4 | 21.1% |
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: 703 applications in 2025, of which 468 were originated and 71 denied.
10.1% of all applications, or 13.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans American Pacific Mortgage originated in South Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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