Citadel Servicing in South Carolina vs the state
2.1%Denial rate-16.17 pts vs state
2.3%Decision denial rate-21.19 pts vs state
70.4%Origination rate+13.75 pts vs state
9.13%Median rate+2.63 pts vs state
1.36Rate spread (pts)+1.14 pts vs state
$183kMedian applicant income
197Loans originated
6Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 256 | 183 | 3.5% | 9.38% | #137 |
| 2024 | 227 | 135 | 3.5% | 8.75% | #161 |
| 2025 | 280 | 197 | 2.1% | 9.13% | #145 |
What Citadel Servicing lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 159 | 125 | 0 | 0.0% |
| Horry County | 33 | 22 | 3 | 9.1% |
| Greenville County | 20 | 10 | 2 | 10.0% |
| York County | 17 | 11 | 0 | 0.0% |
| Lexington County | 8 | 6 | 0 | 0.0% |
| Spartanburg County | 7 | 5 | 0 | 0.0% |
| Pickens County | 6 | 5 | 0 | 0.0% |
| Beaufort County | 4 | 1 | 0 | 0.0% |
| Berkeley County | 4 | 2 | 0 | 0.0% |
| Lancaster County | 3 | 2 | 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: 280 applications in 2025, of which 197 were originated and 6 denied.
2.1% of all applications, or 2.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Citadel Servicing originated in South Carolina in 2025 was 9.13%, against a statewide median of 6.50%.
About this data. Figures are Citadel Servicing'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