Royal United Mortgage in South Carolina vs the state
20.6%Denial rate+2.29 pts vs state
23.7%Decision denial rate+0.18 pts vs state
62.7%Origination rate+6.05 pts vs state
7.13%Median rate+0.63 pts vs state
1.15Rate spread (pts)+0.93 pts vs state
$44kMedian applicant income
146Loans originated
48Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 116 | 27.5% | 7.25% | #161 |
| 2024 | 292 | 179 | 25.0% | 7.13% | #129 |
| 2025 | 233 | 146 | 20.6% | 7.13% | #170 |
What Royal United 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 Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 20 | 12 | 6 | 30.0% |
| Horry County | 19 | 9 | 4 | 21.1% |
| Anderson County | 14 | 9 | 3 | 21.4% |
| Dorchester County | 14 | 6 | 4 | 28.6% |
| Greenville County | 13 | 10 | 2 | 15.4% |
| Lexington County | 12 | 10 | 2 | 16.7% |
| Charleston County | 10 | 6 | 2 | 20.0% |
| Spartanburg County | 10 | 6 | 2 | 20.0% |
| Aiken County | 9 | 6 | 0 | 0.0% |
| Berkeley County | 8 | 4 | 2 | 25.0% |
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: 233 applications in 2025, of which 146 were originated and 48 denied.
20.6% of all applications, or 23.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Royal United Mortgage originated in South Carolina in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are Royal United 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