Emporium TPO in South Carolina vs the state
11.5%Denial rate-6.83 pts vs state
12.1%Decision denial rate-11.40 pts vs state
72.1%Origination rate+15.52 pts vs state
7.38%Median rate+0.88 pts vs state
1.13Rate spread (pts)+0.91 pts vs state
$178kMedian applicant income
44Loans originated
7Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 44 | 30 | 6.8% | 7.56% | #343 |
| 2025 | 61 | 44 | 11.5% | 7.38% | #315 |
What Emporium TPO lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 13 | 7 | 2 | 15.4% |
| Aiken County | 8 | 6 | 1 | 12.5% |
| Berkeley County | 5 | 4 | 0 | 0.0% |
| Greenville County | 4 | 4 | 0 | 0.0% |
| Spartanburg County | 3 | 2 | 1 | 33.3% |
| Lexington County | 3 | 3 | 0 | 0.0% |
| Charleston County | 3 | 3 | 0 | 0.0% |
| Dorchester County | 3 | 3 | 0 | 0.0% |
| Laurens County | 2 | 2 | 0 | 0.0% |
| Oconee County | 2 | 1 | 1 | 50.0% |
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: 61 applications in 2025, of which 44 were originated and 7 denied.
11.5% of all applications, or 12.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Emporium TPO originated in South Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Emporium TPO'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