NFM in South Carolina vs the state
0.8%Denial rate-17.47 pts vs state
1.1%Decision denial rate-22.39 pts vs state
76.0%Origination rate+19.34 pts vs state
6.75%Median rate+0.25 pts vs state
0.60Rate spread (pts)+0.38 pts vs state
$112kMedian applicant income
180Loans originated
2Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 141 | 4.5% | 6.88% | #162 |
| 2024 | 260 | 186 | 3.1% | 7.13% | #143 |
| 2025 | 237 | 180 | 0.8% | 6.75% | #167 |
What NFM lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 39 | 34 | 0 | 0.0% |
| Horry County | 33 | 27 | 0 | 0.0% |
| Charleston County | 22 | 18 | 1 | 4.5% |
| Greenville County | 22 | 17 | 0 | 0.0% |
| Anderson County | 21 | 17 | 0 | 0.0% |
| Dorchester County | 18 | 15 | 0 | 0.0% |
| Richland County | 14 | 4 | 0 | 0.0% |
| Berkeley County | 11 | 9 | 0 | 0.0% |
| Pickens County | 7 | 6 | 0 | 0.0% |
| York County | 6 | 2 | 0 | 0.0% |
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: 237 applications in 2025, of which 180 were originated and 2 denied.
0.8% of all applications, or 1.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans NFM originated in South Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are NFM'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