Hometown Equity Mortgage in South Carolina vs the state
39.6%Denial rate+21.31 pts vs state
40.7%Decision denial rate+17.24 pts vs state
57.3%Origination rate+0.70 pts vs state
7.25%Median rate+0.75 pts vs state
1.01Rate spread (pts)+0.79 pts vs state
$126kMedian applicant income
149Loans originated
103Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 38 | 36.9% | 8.88% | #252 |
| 2024 | 125 | 63 | 42.4% | 8.38% | #217 |
| 2025 | 260 | 149 | 39.6% | 7.25% | #156 |
What Hometown Equity 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 Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 59 | 40 | 18 | 30.5% |
| Greenville County | 39 | 21 | 17 | 43.6% |
| Spartanburg County | 26 | 19 | 6 | 23.1% |
| Charleston County | 21 | 14 | 7 | 33.3% |
| Beaufort County | 18 | 14 | 4 | 22.2% |
| Anderson County | 12 | 6 | 6 | 50.0% |
| Lexington County | 9 | 3 | 5 | 55.6% |
| Dorchester County | 9 | 5 | 3 | 33.3% |
| Orangeburg County | 8 | 1 | 5 | 62.5% |
| Richland County | 7 | 4 | 3 | 42.9% |
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: 260 applications in 2025, of which 149 were originated and 103 denied.
39.6% of all applications, or 40.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Hometown Equity Mortgage originated in South Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Hometown Equity 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