Figure Lending in South Carolina vs the state
30.9%Denial rate+12.60 pts vs state
32.1%Decision denial rate+8.62 pts vs state
43.1%Origination rate-13.54 pts vs state
10.49%Median rate+3.99 pts vs state
4.14Rate spread (pts)+3.92 pts vs state
$102kMedian applicant income
432Loans originated
310Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 514 | 208 | 33.3% | 12.50% | #87 |
| 2024 | 998 | 478 | 25.2% | 11.80% | #50 |
| 2025 | 1,003 | 432 | 30.9% | 10.49% | #58 |
What Figure Lending lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 123 | 63 | 32 | 26.0% |
| Greenville County | 88 | 36 | 27 | 30.7% |
| Horry County | 88 | 30 | 28 | 31.8% |
| York County | 84 | 45 | 24 | 28.6% |
| Spartanburg County | 72 | 34 | 20 | 27.8% |
| Richland County | 65 | 29 | 15 | 23.1% |
| Berkeley County | 63 | 33 | 18 | 28.6% |
| Beaufort County | 56 | 17 | 24 | 42.9% |
| Lexington County | 45 | 22 | 12 | 26.7% |
| Anderson County | 39 | 14 | 13 | 33.3% |
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: 1,003 applications in 2025, of which 432 were originated and 310 denied.
30.9% of all applications, or 32.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Figure Lending originated in South Carolina in 2025 was 10.49%, against a statewide median of 6.50%.
About this data. Figures are Figure Lending'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