First Community Mortgage in South Carolina vs the state
9.9%Denial rate-8.38 pts vs state
11.0%Decision denial rate-12.52 pts vs state
72.2%Origination rate+15.58 pts vs state
6.63%Median rate+0.13 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$111kMedian applicant income
109Loans originated
15Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 55 | 6.0% | 6.88% | #279 |
| 2024 | 152 | 111 | 8.6% | 6.99% | #195 |
| 2025 | 151 | 109 | 9.9% | 6.63% | #208 |
What First Community Mortgage lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 22 | 13 | 5 | 22.7% |
| York County | 19 | 16 | 0 | 0.0% |
| Berkeley County | 17 | 11 | 1 | 5.9% |
| Charleston County | 13 | 7 | 3 | 23.1% |
| Lexington County | 13 | 12 | 1 | 7.7% |
| Oconee County | 10 | 7 | 1 | 10.0% |
| Richland County | 8 | 7 | 1 | 12.5% |
| Greenville County | 7 | 4 | 0 | 0.0% |
| Beaufort County | 5 | 5 | 0 | 0.0% |
| Anderson County | 5 | 4 | 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: 151 applications in 2025, of which 109 were originated and 15 denied.
9.9% of all applications, or 11.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Community Mortgage originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First Community Mortgage'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