Cardinal Financial Company, Limited Partnership in South Carolina vs the state
10.7%Denial rate-7.59 pts vs state
11.7%Decision denial rate-11.78 pts vs state
65.6%Origination rate+8.96 pts vs state
6.63%Median rate+0.13 pts vs state
0.64Rate spread (pts)+0.42 pts vs state
$79kMedian applicant income
318Loans originated
52Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,062 | 711 | 9.9% | 6.75% | #46 |
| 2024 | 553 | 371 | 12.1% | 6.75% | #83 |
| 2025 | 485 | 318 | 10.7% | 6.63% | #100 |
What Cardinal Financial Company, Limited Partnership lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aiken County | 49 | 43 | 1 | 2.0% |
| Greenville County | 36 | 18 | 8 | 22.2% |
| Richland County | 34 | 26 | 3 | 8.8% |
| Pickens County | 31 | 23 | 2 | 6.5% |
| Spartanburg County | 30 | 16 | 5 | 16.7% |
| York County | 30 | 19 | 2 | 6.7% |
| Horry County | 23 | 14 | 4 | 17.4% |
| Lexington County | 22 | 18 | 1 | 4.5% |
| Anderson County | 21 | 12 | 2 | 9.5% |
| Dorchester County | 16 | 11 | 3 | 18.8% |
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: 485 applications in 2025, of which 318 were originated and 52 denied.
10.7% of all applications, or 11.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Cardinal Financial Company, Limited Partnership'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