Union Home Mortgage in South Carolina vs the state
6.6%Denial rate-11.75 pts vs state
8.4%Decision denial rate-15.11 pts vs state
69.7%Origination rate+13.07 pts vs state
6.50%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$108kMedian applicant income
478Loans originated
45Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 659 | 499 | 3.6% | 7.00% | #70 |
| 2024 | 766 | 567 | 5.5% | 6.99% | #67 |
| 2025 | 686 | 478 | 6.6% | 6.50% | #80 |
What Union Home Mortgage lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaufort County | 104 | 71 | 8 | 7.7% |
| York County | 88 | 59 | 7 | 8.0% |
| Horry County | 77 | 52 | 7 | 9.1% |
| Aiken County | 44 | 30 | 2 | 4.5% |
| Oconee County | 39 | 31 | 2 | 5.1% |
| Anderson County | 35 | 29 | 1 | 2.9% |
| Charleston County | 34 | 25 | 0 | 0.0% |
| Greenville County | 32 | 18 | 3 | 9.4% |
| Richland County | 24 | 16 | 1 | 4.2% |
| Berkeley County | 23 | 20 | 1 | 4.3% |
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: 686 applications in 2025, of which 478 were originated and 45 denied.
6.6% of all applications, or 8.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Union Home Mortgage originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Union Home Mortgage'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