Greenville at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
3rd41.0% deniedPricingmedian rate spread over APOR, weight 30%
46th0.30 ptsProcesswithdrawn + incomplete share, weight 15%
6th28.9%Closing coststotal loan costs ÷ loan amount, weight 10%
6th4.56% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 532 | 240 | 25.9% | 35.3% | 7.49% | $42M |
| 2024 | 388 | 116 | 45.1% | 59.5% | 8.49% | $19M |
| 2025 | 443 | 184 | 29.1% | 41.0% | 7.50% | $45M |
What Greenville lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 194 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 30 investment properties.
Why Greenville denies applications
Primary reason reported for each of the 129 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Greenville
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 5 | 83.3% |
| $50k – $100k | 153 | 60 | 46.4% |
| $100k – $150k | 111 | 53 | 34.2% |
| $150k – $250k | 85 | 36 | 32.7% |
| Over $250k | 37 | 18 | 21.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 63 | 23 | 47.7% |
| 35–44 | 114 | 43 | 46.9% |
| 45–54 | 121 | 51 | 41.1% |
| 55–64 | 61 | 25 | 39.0% |
| 65–74 | 51 | 21 | 36.4% |
| Over 74 | 20 | 9 | 30.8% |
Where Greenville lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 439 | 184 | 28.5% | 7.50% | #110 |
Frequently asked questions
Greenville denied 41.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 3rd percentile of small mortgage lenders.
The most common reason Greenville gave in 2025 was "debt-to-income ratio", cited on 51.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Greenville originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.30 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 18% for refinancing (including cash-out), and 70% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.