The Bank of South Carolina at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 133 | 117 | 1.5% | 1.6% | 6.63% | $51M |
| 2024 | 142 | 127 | 0.0% | 0.0% | — | $57M |
| 2025 | 154 | 139 | 0.0% | 0.0% | — | $72M |
What The Bank of South Carolina lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 33 investment properties.
Who gets approved at The Bank of South Carolina
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 29 | 0.0% |
| $100k – $150k | 25 | 22 | 0.0% |
| $150k – $250k | 38 | 38 | 0.0% |
| Over $250k | 37 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 37 | 36 | 0.0% |
| 35–44 | 34 | 33 | 0.0% |
| 45–54 | 20 | 16 | 0.0% |
| 55–64 | 20 | 14 | 0.0% |
Where The Bank of South Carolina lends
11 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 140 | 129 | 0.0% | — | #214 |
Frequently asked questions
The Bank of South Carolina denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
In 2025, 77% of its applications were for home purchases, 19% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 82% conventional, 7% FHA, 10% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.