Ruoff Mortgage Company in South Carolina vs the state
13.6%Denial rate-4.67 pts vs state
16.7%Decision denial rate-6.80 pts vs state
59.1%Origination rate+2.48 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.19 pts vs state
$78kMedian applicant income
13Loans originated
3Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 18 | 16.5% | 6.31% | #250 |
| 2024 | 122 | 26 | 18.9% | 6.13% | #222 |
| 2025 | 22 | 13 | 13.6% | 6.63% | #435 |
What Ruoff Mortgage Company lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lexington County | 5 | 4 | 0 | 0.0% |
| Horry County | 3 | 1 | 2 | 66.7% |
| Richland County | 3 | 1 | 0 | 0.0% |
| Aiken County | 2 | 0 | 1 | 50.0% |
| Pickens County | 2 | 2 | 0 | 0.0% |
| McCormick County | 1 | 0 | 0 | 0.0% |
| York County | 1 | 1 | 0 | 0.0% |
| Berkeley County | 1 | 1 | 0 | 0.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Kershaw County | 1 | 1 | 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: 22 applications in 2025, of which 13 were originated and 3 denied.
13.6% of all applications, or 16.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Ruoff Mortgage Company originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Ruoff Mortgage Company'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