Mortgage Research Center in South Carolina vs the state
19.1%Denial rate+0.75 pts vs state
29.6%Decision denial rate+6.08 pts vs state
45.0%Origination rate-11.65 pts vs state
6.25%Median rate-0.25 pts vs state
-0.25Rate spread (pts)-0.47 pts vs state
$93kMedian applicant income
2,333Loans originated
989Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,663 | 1,680 | 16.9% | 6.75% | #13 |
| 2024 | 4,411 | 2,111 | 16.6% | 6.63% | #11 |
| 2025 | 5,189 | 2,333 | 19.1% | 6.25% | #9 |
What Mortgage Research Center lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 602 | 255 | 131 | 21.8% |
| Horry County | 446 | 189 | 89 | 20.0% |
| Berkeley County | 389 | 157 | 85 | 21.9% |
| Lexington County | 335 | 137 | 71 | 21.2% |
| Spartanburg County | 322 | 144 | 60 | 18.6% |
| Greenville County | 322 | 153 | 59 | 18.3% |
| Dorchester County | 300 | 123 | 52 | 17.3% |
| Sumter County | 254 | 137 | 34 | 13.4% |
| York County | 234 | 112 | 40 | 17.1% |
| Aiken County | 220 | 116 | 31 | 14.1% |
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% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 5,189 applications in 2025, of which 2,333 were originated and 989 denied.
19.1% of all applications, or 29.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Mortgage Research Center originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Research Center'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