Guaranteed Rate in South Carolina vs the state
6.2%Denial rate-12.07 pts vs state
9.7%Decision denial rate-13.77 pts vs state
57.0%Origination rate+0.43 pts vs state
6.58%Median rate+0.08 pts vs state
0.24Rate spread (pts)+0.02 pts vs state
$100kMedian applicant income
1,134Loans originated
124Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,568 | 800 | 7.1% | 6.63% | #31 |
| 2024 | 1,589 | 952 | 6.0% | 6.63% | #34 |
| 2025 | 1,988 | 1,134 | 6.2% | 6.58% | #28 |
What Guaranteed Rate 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 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 285 | 178 | 17 | 6.0% |
| Greenville County | 204 | 115 | 14 | 6.9% |
| Spartanburg County | 188 | 108 | 20 | 10.6% |
| Richland County | 159 | 87 | 9 | 5.7% |
| Charleston County | 148 | 83 | 4 | 2.7% |
| Berkeley County | 148 | 71 | 6 | 4.1% |
| Beaufort County | 128 | 87 | 6 | 4.7% |
| Lexington County | 116 | 70 | 7 | 6.0% |
| Anderson County | 112 | 77 | 3 | 2.7% |
| Dorchester County | 64 | 32 | 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: 1,988 applications in 2025, of which 1,134 were originated and 124 denied.
6.2% of all applications, or 9.7% 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 originated in South Carolina in 2025 was 6.58%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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