Pennymac Loan Services in South Carolina vs the state
11.3%Denial rate-7.06 pts vs state
18.2%Decision denial rate-5.26 pts vs state
48.6%Origination rate-8.00 pts vs state
6.25%Median rate-0.25 pts vs state
0.24Rate spread (pts)+0.01 pts vs state
$97kMedian applicant income
2,199Loans originated
509Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,767 | 810 | 13.4% | 6.25% | #25 |
| 2024 | 2,778 | 1,266 | 13.1% | 6.38% | #19 |
| 2025 | 4,524 | 2,199 | 11.3% | 6.25% | #11 |
What Pennymac Loan Services lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 480 | 235 | 46 | 9.6% |
| Horry County | 439 | 200 | 51 | 11.6% |
| Richland County | 384 | 172 | 42 | 10.9% |
| Spartanburg County | 340 | 159 | 42 | 12.4% |
| York County | 316 | 176 | 22 | 7.0% |
| Berkeley County | 312 | 149 | 36 | 11.5% |
| Charleston County | 304 | 161 | 29 | 9.5% |
| Lexington County | 304 | 155 | 31 | 10.2% |
| Dorchester County | 211 | 98 | 21 | 10.0% |
| Anderson County | 179 | 92 | 27 | 15.1% |
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% |
| 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: 4,524 applications in 2025, of which 2,199 were originated and 509 denied.
11.3% of all applications, or 18.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Pennymac Loan Services originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Pennymac Loan Services'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