First Heritage Mortgage in South Carolina vs the state
3.0%Denial rate-15.35 pts vs state
3.3%Decision denial rate-20.14 pts vs state
85.2%Origination rate+28.63 pts vs state
6.25%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.14 pts vs state
$102kMedian applicant income
1,380Loans originated
48Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,125 | 873 | 1.9% | 6.62% | #42 |
| 2024 | 1,298 | 1,131 | 1.5% | 6.50% | #43 |
| 2025 | 1,619 | 1,380 | 3.0% | 6.25% | #36 |
What First Heritage 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 Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 299 | 250 | 8 | 2.7% |
| Greenville County | 281 | 247 | 7 | 2.5% |
| Lexington County | 280 | 235 | 6 | 2.1% |
| Spartanburg County | 181 | 169 | 4 | 2.2% |
| Aiken County | 146 | 128 | 6 | 4.1% |
| Charleston County | 89 | 66 | 6 | 6.7% |
| Berkeley County | 75 | 70 | 1 | 1.3% |
| Beaufort County | 58 | 49 | 1 | 1.7% |
| Sumter County | 49 | 39 | 0 | 0.0% |
| Kershaw County | 39 | 34 | 2 | 5.1% |
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: 1,619 applications in 2025, of which 1,380 were originated and 48 denied.
3.0% of all applications, or 3.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Heritage Mortgage originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are First Heritage 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