East Coast Capital in South Carolina vs the state
3.1%Denial rate-15.21 pts vs state
3.8%Decision denial rate-19.70 pts vs state
79.1%Origination rate+22.46 pts vs state
6.88%Median rate+0.38 pts vs state
0.47Rate spread (pts)+0.25 pts vs state
$175kMedian applicant income
102Loans originated
4Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 0.0% | 6.88% | #562 |
| 2024 | 69 | 52 | 0.0% | 7.00% | #283 |
| 2025 | 129 | 102 | 3.1% | 6.88% | #227 |
What East Coast Capital lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaufort County | 103 | 83 | 3 | 2.9% |
| Horry County | 7 | 7 | 0 | 0.0% |
| Charleston County | 4 | 4 | 0 | 0.0% |
| Greenville County | 2 | 1 | 0 | 0.0% |
| Jasper County | 2 | 1 | 0 | 0.0% |
| York County | 2 | 1 | 0 | 0.0% |
| Spartanburg County | 2 | 2 | 0 | 0.0% |
| Dorchester County | 2 | 1 | 1 | 50.0% |
| Pickens County | 1 | 0 | 0 | 0.0% |
| Lexington County | 1 | 1 | 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: 129 applications in 2025, of which 102 were originated and 4 denied.
3.1% of all applications, or 3.8% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans East Coast Capital originated in South Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are East Coast Capital'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