Emm Loans in South Carolina vs the state
5.9%Denial rate-12.38 pts vs state
7.2%Decision denial rate-16.30 pts vs state
72.2%Origination rate+15.61 pts vs state
6.75%Median rate+0.25 pts vs state
0.37Rate spread (pts)+0.15 pts vs state
$113kMedian applicant income
195Loans originated
16Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 124 | 2.8% | 6.99% | #179 |
| 2024 | 166 | 123 | 3.0% | 6.99% | #185 |
| 2025 | 270 | 195 | 5.9% | 6.75% | #151 |
What Emm Loans lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 130 | 91 | 8 | 6.2% |
| Beaufort County | 93 | 81 | 3 | 3.2% |
| Georgetown County | 7 | 4 | 1 | 14.3% |
| Charleston County | 7 | 4 | 1 | 14.3% |
| Jasper County | 5 | 4 | 0 | 0.0% |
| Greenville County | 5 | 1 | 0 | 0.0% |
| Spartanburg County | 4 | 0 | 1 | 25.0% |
| Richland County | 3 | 2 | 1 | 33.3% |
| Sumter County | 2 | 0 | 0 | 0.0% |
| Lexington County | 2 | 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: 270 applications in 2025, of which 195 were originated and 16 denied.
5.9% of all applications, or 7.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Emm Loans originated in South Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Emm Loans'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