OCMBC in South Carolina vs the state
12.2%Denial rate-6.08 pts vs state
15.9%Decision denial rate-7.56 pts vs state
53.7%Origination rate-2.90 pts vs state
7.00%Median rate+0.50 pts vs state
0.93Rate spread (pts)+0.71 pts vs state
$126kMedian applicant income
123Loans originated
28Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 60 | 19.9% | 8.63% | #205 |
| 2024 | 199 | 102 | 21.6% | 8.00% | #175 |
| 2025 | 229 | 123 | 12.2% | 7.00% | #172 |
What OCMBC lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 35 | 22 | 5 | 14.3% |
| Richland County | 22 | 15 | 2 | 9.1% |
| Charleston County | 20 | 7 | 1 | 5.0% |
| Greenville County | 15 | 6 | 5 | 33.3% |
| Spartanburg County | 14 | 8 | 1 | 7.1% |
| Berkeley County | 13 | 3 | 7 | 53.8% |
| Lexington County | 13 | 10 | 2 | 15.4% |
| Beaufort County | 11 | 7 | 2 | 18.2% |
| Lancaster County | 11 | 4 | 1 | 9.1% |
| Orangeburg County | 9 | 5 | 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: 229 applications in 2025, of which 123 were originated and 28 denied.
12.2% of all applications, or 15.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans OCMBC originated in South Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are OCMBC'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