State Employees' in South Carolina vs the state
24.6%Denial rate+6.25 pts vs state
29.7%Decision denial rate+6.21 pts vs state
57.4%Origination rate+0.78 pts vs state
6.15%Median rate-0.35 pts vs state
-0.69Rate spread (pts)-0.91 pts vs state
$112kMedian applicant income
493Loans originated
211Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 957 | 572 | 20.6% | 5.88% | #52 |
| 2024 | 836 | 511 | 20.2% | 6.88% | #60 |
| 2025 | 859 | 493 | 24.6% | 6.15% | #66 |
What State Employees' lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most State Employees' applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 233 | 149 | 47 | 20.2% |
| York County | 150 | 88 | 33 | 22.0% |
| Spartanburg County | 86 | 45 | 27 | 31.4% |
| Lancaster County | 77 | 44 | 20 | 26.0% |
| Greenville County | 65 | 35 | 17 | 26.2% |
| Charleston County | 31 | 21 | 5 | 16.1% |
| Chesterfield County | 23 | 13 | 7 | 30.4% |
| Cherokee County | 20 | 10 | 4 | 20.0% |
| Richland County | 16 | 10 | 5 | 31.3% |
| Berkeley County | 16 | 6 | 5 | 31.3% |
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: 859 applications in 2025, of which 493 were originated and 211 denied.
24.6% of all applications, or 29.7% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans State Employees' originated in South Carolina in 2025 was 6.15%, against a statewide median of 6.50%.
About this data. Figures are State Employees''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