Capital City Home Loans in South Carolina vs the state
3.3%Denial rate-14.98 pts vs state
5.1%Decision denial rate-18.34 pts vs state
61.7%Origination rate+5.06 pts vs state
6.63%Median rate+0.13 pts vs state
0.36Rate spread (pts)+0.13 pts vs state
$219kMedian applicant income
37Loans originated
2Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 24 | 0.0% | 6.63% | #375 |
| 2024 | 42 | 27 | 7.1% | 7.25% | #348 |
| 2025 | 60 | 37 | 3.3% | 6.63% | #320 |
What Capital City Home Loans lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Capital City Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaufort County | 36 | 24 | 2 | 5.6% |
| Greenville County | 9 | 5 | 0 | 0.0% |
| Charleston County | 4 | 1 | 0 | 0.0% |
| Richland County | 3 | 1 | 0 | 0.0% |
| Anderson County | 2 | 1 | 0 | 0.0% |
| Oconee County | 2 | 2 | 0 | 0.0% |
| Spartanburg County | 1 | 1 | 0 | 0.0% |
| Sumter County | 1 | 0 | 0 | 0.0% |
| Abbeville County | 1 | 1 | 0 | 0.0% |
| Horry County | 1 | 1 | 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: 60 applications in 2025, of which 37 were originated and 2 denied.
3.3% of all applications, or 5.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Capital City Home Loans originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Capital City Home Loans'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