Local Government in South Carolina vs the state
57.1%Denial rate+38.83 pts vs state
72.7%Decision denial rate+49.26 pts vs state
21.4%Origination rate-35.18 pts vs state
7.63%Median rate+1.13 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$84kMedian applicant income
6Loans originated
16Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 66 | 18.1% | 5.40% | #227 |
| 2024 | 62 | 26 | 33.9% | 8.40% | #297 |
| 2025 | 28 | 6 | 57.1% | 7.63% | #405 |
What Local Government lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Local Government applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 8 | 3 | 3 | 37.5% |
| Horry County | 5 | 0 | 4 | 80.0% |
| Lancaster County | 3 | 1 | 2 | 66.7% |
| Cherokee County | 2 | 1 | 1 | 50.0% |
| Richland County | 2 | 0 | 2 | 100.0% |
| Spartanburg County | 2 | 0 | 1 | 50.0% |
| Greenville County | 1 | 0 | 0 | 0.0% |
| Sumter County | 1 | 0 | 1 | 100.0% |
| Abbeville County | 1 | 0 | 0 | 0.0% |
| Chesterfield 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: 28 applications in 2025, of which 6 were originated and 16 denied.
57.1% of all applications, or 72.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Local Government originated in South Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Local Government'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