Guaranteed Rate Affinity in South Carolina vs the state
4.5%Denial rate-13.82 pts vs state
6.6%Decision denial rate-16.91 pts vs state
63.6%Origination rate+6.95 pts vs state
6.50%Median rate0.00 pts vs state
0.17Rate spread (pts)-0.05 pts vs state
$99kMedian applicant income
396Loans originated
28Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 833 | 547 | 5.4% | 6.75% | #58 |
| 2024 | 713 | 471 | 7.7% | 6.74% | #72 |
| 2025 | 623 | 396 | 4.5% | 6.50% | #85 |
What Guaranteed Rate Affinity lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lexington County | 203 | 131 | 7 | 3.4% |
| Richland County | 156 | 95 | 9 | 5.8% |
| Charleston County | 55 | 31 | 1 | 1.8% |
| York County | 38 | 29 | 0 | 0.0% |
| Berkeley County | 35 | 19 | 1 | 2.9% |
| Dorchester County | 17 | 13 | 1 | 5.9% |
| Kershaw County | 16 | 10 | 1 | 6.3% |
| Aiken County | 13 | 4 | 4 | 30.8% |
| Newberry County | 12 | 10 | 0 | 0.0% |
| Lancaster County | 11 | 11 | 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: 623 applications in 2025, of which 396 were originated and 28 denied.
4.5% of all applications, or 6.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Guaranteed Rate Affinity originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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