PHH Mortgage in South Carolina vs the state
8.8%Denial rate-9.54 pts vs state
19.6%Decision denial rate-3.89 pts vs state
35.3%Origination rate-21.30 pts vs state
6.13%Median rate-0.38 pts vs state
0.11Rate spread (pts)-0.11 pts vs state
$79kMedian applicant income
149Loans originated
37Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 55 | 19.6% | 6.89% | #202 |
| 2024 | 242 | 70 | 15.3% | 6.50% | #152 |
| 2025 | 422 | 149 | 8.8% | 6.13% | #114 |
What PHH Mortgage lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 43 | 13 | 4 | 9.3% |
| Greenville County | 36 | 15 | 2 | 5.6% |
| Lexington County | 29 | 11 | 3 | 10.3% |
| Beaufort County | 29 | 6 | 3 | 10.3% |
| Charleston County | 29 | 6 | 2 | 6.9% |
| York County | 26 | 8 | 2 | 7.7% |
| Berkeley County | 24 | 8 | 1 | 4.2% |
| Horry County | 22 | 9 | 4 | 18.2% |
| Spartanburg County | 21 | 7 | 0 | 0.0% |
| Aiken County | 20 | 8 | 1 | 5.0% |
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: 422 applications in 2025, of which 149 were originated and 37 denied.
8.8% of all applications, or 19.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans PHH Mortgage originated in South Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are PHH Mortgage'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