Inspire Home Loans in South Carolina vs the state
11.6%Denial rate-6.69 pts vs state
14.3%Decision denial rate-9.18 pts vs state
64.3%Origination rate+7.71 pts vs state
6.00%Median rate-0.50 pts vs state
-0.17Rate spread (pts)-0.39 pts vs state
$71kMedian applicant income
155Loans originated
28Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 204 | 7.6% | 5.88% | #122 |
| 2024 | 426 | 285 | 10.3% | 5.75% | #97 |
| 2025 | 241 | 155 | 11.6% | 6.00% | #164 |
What Inspire Home Loans lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 54 | 32 | 7 | 13.0% |
| Florence County | 43 | 26 | 8 | 18.6% |
| Spartanburg County | 40 | 25 | 6 | 15.0% |
| York County | 34 | 26 | 1 | 2.9% |
| Darlington County | 28 | 19 | 3 | 10.7% |
| Cherokee County | 13 | 10 | 1 | 7.7% |
| Anderson County | 12 | 4 | 2 | 16.7% |
| Oconee County | 9 | 7 | 0 | 0.0% |
| Georgetown County | 6 | 5 | 0 | 0.0% |
| Beaufort County | 2 | 1 | 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: 241 applications in 2025, of which 155 were originated and 28 denied.
11.6% of all applications, or 14.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Inspire Home Loans originated in South Carolina in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Inspire Home Loans'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