Consumer Real Estate Finance in South Carolina vs the state
33.3%Denial rate+15.02 pts vs state
37.5%Decision denial rate+14.03 pts vs state
55.6%Origination rate-1.05 pts vs state
6.99%Median rate+0.49 pts vs state
1.11Rate spread (pts)+0.89 pts vs state
$72kMedian applicant income
35Loans originated
21Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 44 | 16.3% | 6.75% | #249 |
| 2024 | 55 | 23 | 25.5% | 7.13% | #309 |
| 2025 | 63 | 35 | 33.3% | 6.99% | #312 |
What Consumer Real Estate Finance lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 9 | 5 | 3 | 33.3% |
| Richland County | 9 | 0 | 7 | 77.8% |
| Lexington County | 6 | 3 | 3 | 50.0% |
| Horry County | 4 | 1 | 2 | 50.0% |
| Chesterfield County | 3 | 3 | 0 | 0.0% |
| Aiken County | 3 | 3 | 0 | 0.0% |
| Newberry County | 3 | 2 | 1 | 33.3% |
| Chester County | 3 | 2 | 1 | 33.3% |
| Pickens County | 2 | 2 | 0 | 0.0% |
| Cherokee County | 2 | 0 | 2 | 100.0% |
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: 63 applications in 2025, of which 35 were originated and 21 denied.
33.3% of all applications, or 37.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Consumer Real Estate Finance originated in South Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Consumer Real Estate Finance'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