Freedom Mortgage in South Carolina vs the state
7.3%Denial rate-11.06 pts vs state
12.5%Decision denial rate-10.95 pts vs state
40.9%Origination rate-15.67 pts vs state
6.25%Median rate-0.25 pts vs state
-0.04Rate spread (pts)-0.26 pts vs state
$90kMedian applicant income
2,168Loans originated
384Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,478 | 690 | 12.9% | 6.75% | #33 |
| 2024 | 3,604 | 1,595 | 9.2% | 6.25% | #14 |
| 2025 | 5,296 | 2,168 | 7.3% | 6.25% | #8 |
What Freedom 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 Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 650 | 259 | 42 | 6.5% |
| Berkeley County | 490 | 235 | 38 | 7.8% |
| Horry County | 443 | 171 | 33 | 7.4% |
| Greenville County | 396 | 166 | 22 | 5.6% |
| Spartanburg County | 354 | 152 | 24 | 6.8% |
| Dorchester County | 346 | 148 | 20 | 5.8% |
| Lexington County | 341 | 154 | 21 | 6.2% |
| York County | 299 | 136 | 23 | 7.7% |
| Charleston County | 252 | 83 | 18 | 7.1% |
| Beaufort County | 190 | 63 | 13 | 6.8% |
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% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 5,296 applications in 2025, of which 2,168 were originated and 384 denied.
7.3% of all applications, or 12.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Freedom Mortgage originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Freedom 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