Guild Mortgage in South Carolina vs the state
4.8%Denial rate-13.52 pts vs state
5.9%Decision denial rate-17.62 pts vs state
69.2%Origination rate+12.58 pts vs state
6.63%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.16 pts vs state
$83kMedian applicant income
2,670Loans originated
185Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,048 | 2,012 | 5.4% | 6.63% | #15 |
| 2024 | 3,563 | 2,377 | 4.6% | 6.63% | #15 |
| 2025 | 3,859 | 2,670 | 4.8% | 6.63% | #16 |
What Guild 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 Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 921 | 640 | 49 | 5.3% |
| Lexington County | 773 | 553 | 20 | 2.6% |
| Aiken County | 419 | 289 | 23 | 5.5% |
| Horry County | 234 | 145 | 22 | 9.4% |
| Kershaw County | 157 | 101 | 8 | 5.1% |
| Charleston County | 136 | 88 | 9 | 6.6% |
| York County | 112 | 76 | 5 | 4.5% |
| Sumter County | 98 | 71 | 8 | 8.2% |
| Spartanburg County | 94 | 68 | 6 | 6.4% |
| Greenville County | 91 | 65 | 5 | 5.5% |
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: 3,859 applications in 2025, of which 2,670 were originated and 185 denied.
4.8% of all applications, or 5.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Guild Mortgage originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Guild 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