Kind Lending in South Carolina vs the state
22.2%Denial rate+3.86 pts vs state
25.9%Decision denial rate+2.42 pts vs state
63.0%Origination rate+6.43 pts vs state
6.63%Median rate+0.13 pts vs state
0.34Rate spread (pts)+0.12 pts vs state
$102kMedian applicant income
290Loans originated
102Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 82 | 22.6% | 6.31% | #209 |
| 2024 | 204 | 141 | 21.1% | 6.38% | #169 |
| 2025 | 460 | 290 | 22.2% | 6.63% | #104 |
What Kind Lending lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 60 | 36 | 15 | 25.0% |
| Spartanburg County | 39 | 24 | 9 | 23.1% |
| Richland County | 36 | 20 | 11 | 30.6% |
| Horry County | 35 | 25 | 7 | 20.0% |
| Charleston County | 35 | 27 | 4 | 11.4% |
| Berkeley County | 33 | 18 | 9 | 27.3% |
| Anderson County | 33 | 20 | 5 | 15.2% |
| York County | 32 | 17 | 9 | 28.1% |
| Lancaster County | 21 | 13 | 6 | 28.6% |
| Beaufort County | 19 | 15 | 2 | 10.5% |
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: 460 applications in 2025, of which 290 were originated and 102 denied.
22.2% of all applications, or 25.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Kind Lending originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Kind Lending'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