T2 Financial in South Carolina vs the state
9.0%Denial rate-9.33 pts vs state
10.0%Decision denial rate-13.47 pts vs state
74.8%Origination rate+18.23 pts vs state
6.75%Median rate+0.25 pts vs state
0.63Rate spread (pts)+0.41 pts vs state
$100kMedian applicant income
592Loans originated
71Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 360 | 256 | 8.1% | 7.00% | #108 |
| 2024 | 851 | 633 | 7.6% | 6.88% | #59 |
| 2025 | 791 | 592 | 9.0% | 6.75% | #74 |
What T2 Financial lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 476 | 366 | 36 | 7.6% |
| Beaufort County | 59 | 54 | 1 | 1.7% |
| Marion County | 23 | 16 | 4 | 17.4% |
| Anderson County | 22 | 16 | 1 | 4.5% |
| Greenville County | 20 | 16 | 1 | 5.0% |
| Georgetown County | 19 | 16 | 1 | 5.3% |
| Spartanburg County | 17 | 11 | 4 | 23.5% |
| Oconee County | 14 | 7 | 4 | 28.6% |
| Laurens County | 13 | 5 | 4 | 30.8% |
| Dorchester County | 12 | 10 | 1 | 8.3% |
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: 791 applications in 2025, of which 592 were originated and 71 denied.
9.0% of all applications, or 10.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans T2 Financial originated in South Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are T2 Financial'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