Citizens Bank in South Carolina vs the state
26.6%Denial rate+8.32 pts vs state
31.1%Decision denial rate+7.58 pts vs state
58.0%Origination rate+1.37 pts vs state
7.40%Median rate+0.90 pts vs state
0.31Rate spread (pts)+0.09 pts vs state
$110kMedian applicant income
603Loans originated
277Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,224 | 588 | 38.9% | 8.25% | #41 |
| 2024 | 784 | 410 | 32.1% | 8.90% | #65 |
| 2025 | 1,040 | 603 | 26.6% | 7.40% | #57 |
What Citizens Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 158 | 83 | 50 | 31.6% |
| Charleston County | 155 | 97 | 32 | 20.6% |
| Greenville County | 134 | 75 | 34 | 25.4% |
| Beaufort County | 80 | 50 | 22 | 27.5% |
| York County | 71 | 44 | 20 | 28.2% |
| Berkeley County | 55 | 34 | 11 | 20.0% |
| Spartanburg County | 44 | 28 | 10 | 22.7% |
| Lexington County | 39 | 22 | 10 | 25.6% |
| Aiken County | 39 | 21 | 14 | 35.9% |
| Dorchester County | 35 | 18 | 11 | 31.4% |
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: 1,040 applications in 2025, of which 603 were originated and 277 denied.
26.6% of all applications, or 31.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Citizens Bank originated in South Carolina in 2025 was 7.40%, against a statewide median of 6.50%.
About this data. Figures are Citizens Bank'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