Keystone Funding in South Carolina vs the state
15.2%Denial rate-3.16 pts vs state
15.2%Decision denial rate-8.32 pts vs state
69.7%Origination rate+13.09 pts vs state
6.38%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.16 pts vs state
$96kMedian applicant income
23Loans originated
5Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 6.88% | #607 |
| 2024 | 22 | 17 | 4.6% | 6.38% | #428 |
| 2025 | 33 | 23 | 15.2% | 6.38% | #392 |
What Keystone Funding lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 4 | 3 | 1 | 25.0% |
| Greenville County | 4 | 3 | 0 | 0.0% |
| Richland County | 4 | 2 | 0 | 0.0% |
| York County | 4 | 4 | 0 | 0.0% |
| Horry County | 3 | 3 | 0 | 0.0% |
| Jasper County | 2 | 2 | 0 | 0.0% |
| Charleston County | 2 | 2 | 0 | 0.0% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Pickens County | 2 | 0 | 1 | 50.0% |
| Laurens County | 1 | 0 | 1 | 100.0% |
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: 33 applications in 2025, of which 23 were originated and 5 denied.
15.2% of all applications, or 15.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Keystone Funding originated in South Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Keystone Funding'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