South Atlantic Bank in South Carolina vs the state
4.0%Denial rate-14.31 pts vs state
4.7%Decision denial rate-18.73 pts vs state
79.3%Origination rate+22.72 pts vs state
—Median rate
—Rate spread (pts)
$168kMedian applicant income
238Loans originated
12Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 250 | 195 | 2.0% | 7.38% | #138 |
| 2024 | 257 | 205 | 4.3% | — | #145 |
| 2025 | 300 | 238 | 4.0% | — | #138 |
What South Atlantic Bank lends in South Carolina
By loan purpose
By loan type
Where in South Carolina
Counties with the most South Atlantic Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 157 | 123 | 6 | 3.8% |
| Georgetown County | 51 | 39 | 2 | 3.9% |
| Charleston County | 36 | 31 | 1 | 2.8% |
| Beaufort County | 35 | 29 | 2 | 5.7% |
| Jasper County | 5 | 5 | 0 | 0.0% |
| Dorchester County | 5 | 3 | 0 | 0.0% |
| Berkeley County | 4 | 2 | 0 | 0.0% |
| Florence County | 3 | 2 | 1 | 33.3% |
| Spartanburg 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: 300 applications in 2025, of which 238 were originated and 12 denied.
4.0% of all applications, or 4.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are South Atlantic Bank'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