Discover Bank in South Carolina vs the state
54.4%Denial rate+36.11 pts vs state
76.8%Decision denial rate+53.37 pts vs state
16.1%Origination rate-40.52 pts vs state
8.77%Median rate+2.27 pts vs state
2.18Rate spread (pts)+1.95 pts vs state
$100kMedian applicant income
204Loans originated
690Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,296 | 684 | 44.0% | 9.49% | #12 |
| 2024 | 4,167 | 810 | 48.6% | 8.86% | #12 |
| 2025 | 1,268 | 204 | 54.4% | 8.77% | #46 |
What Discover 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 Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 151 | 19 | 76 | 50.3% |
| Greenville County | 127 | 25 | 79 | 62.2% |
| Charleston County | 112 | 14 | 61 | 54.5% |
| Spartanburg County | 90 | 19 | 50 | 55.6% |
| York County | 85 | 15 | 44 | 51.8% |
| Lexington County | 74 | 10 | 45 | 60.8% |
| Dorchester County | 65 | 8 | 30 | 46.2% |
| Berkeley County | 63 | 14 | 38 | 60.3% |
| Richland County | 61 | 10 | 34 | 55.7% |
| Beaufort County | 61 | 12 | 28 | 45.9% |
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: 1,268 applications in 2025, of which 204 were originated and 690 denied.
54.4% of all applications, or 76.8% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Discover Bank originated in South Carolina in 2025 was 8.77%, against a statewide median of 6.50%.
About this data. Figures are Discover 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