Neighborhood Loans in South Carolina vs the state
64.4%Denial rate+46.13 pts vs state
89.0%Decision denial rate+65.49 pts vs state
6.2%Origination rate-50.39 pts vs state
—Median rate
-6.07Rate spread (pts)-6.29 pts vs state
$84kMedian applicant income
14Loans originated
145Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 381 | 251 | 20.7% | 6.99% | #102 |
| 2024 | 507 | 359 | 19.7% | 6.63% | #89 |
| 2025 | 225 | 14 | 64.4% | — | #175 |
What Neighborhood 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 Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 97 | 2 | 60 | 61.9% |
| Greenville County | 22 | 4 | 12 | 54.5% |
| Spartanburg County | 21 | 3 | 12 | 57.1% |
| Laurens County | 12 | 1 | 9 | 75.0% |
| Kershaw County | 11 | 0 | 5 | 45.5% |
| Pickens County | 8 | 1 | 6 | 75.0% |
| Georgetown County | 7 | 0 | 5 | 71.4% |
| Sumter County | 7 | 0 | 5 | 71.4% |
| Richland County | 6 | 0 | 3 | 50.0% |
| Berkeley County | 5 | 0 | 4 | 80.0% |
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: 225 applications in 2025, of which 14 were originated and 145 denied.
64.4% of all applications, or 89.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Neighborhood 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