SmartFi Home Loans in South Carolina vs the state
25.0%Denial rate+6.69 pts vs state
25.0%Decision denial rate+1.53 pts vs state
75.0%Origination rate+18.39 pts vs state
8.98%Median rate+2.48 pts vs state
—Rate spread (pts)
$43kMedian applicant income
6Loans originated
2Denied
What SmartFi Home Loans lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 3 | 3 | 0 | 0.0% |
| Beaufort County | 1 | 1 | 0 | 0.0% |
| Charleston County | 1 | 0 | 1 | 100.0% |
| Greenville County | 1 | 0 | 1 | 100.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Richland 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: 8 applications in 2025, of which 6 were originated and 2 denied.
25.0% of all applications, or 25.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans SmartFi Home Loans originated in South Carolina in 2025 was 8.98%, against a statewide median of 6.50%.
About this data. Figures are SmartFi Home Loans'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