Georgia'S Own in South Carolina vs the state
21.9%Denial rate+3.57 pts vs state
25.5%Decision denial rate+1.98 pts vs state
62.5%Origination rate+5.89 pts vs state
8.25%Median rate+1.75 pts vs state
1.05Rate spread (pts)+0.83 pts vs state
$150kMedian applicant income
40Loans originated
14Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 21 | 26.3% | 9.74% | #351 |
| 2024 | 86 | 45 | 32.6% | 9.75% | #261 |
| 2025 | 64 | 40 | 21.9% | 8.25% | #310 |
What Georgia'S Own lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 10 | 6 | 3 | 30.0% |
| York County | 7 | 7 | 0 | 0.0% |
| Aiken County | 6 | 3 | 2 | 33.3% |
| Greenville County | 5 | 4 | 0 | 0.0% |
| Spartanburg County | 4 | 2 | 1 | 25.0% |
| Beaufort County | 3 | 3 | 0 | 0.0% |
| Berkeley County | 3 | 2 | 0 | 0.0% |
| Oconee County | 3 | 0 | 2 | 66.7% |
| Lancaster County | 3 | 3 | 0 | 0.0% |
| Horry County | 2 | 2 | 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: 64 applications in 2025, of which 40 were originated and 14 denied.
21.9% of all applications, or 25.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Georgia'S Own originated in South Carolina in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are Georgia'S Own'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