United Bank in South Carolina vs the state
21.0%Denial rate+2.65 pts vs state
23.9%Decision denial rate+0.42 pts vs state
65.9%Origination rate+9.26 pts vs state
7.00%Median rate+0.50 pts vs state
0.27Rate spread (pts)+0.05 pts vs state
$118kMedian applicant income
220Loans originated
70Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 481 | 313 | 23.7% | 7.38% | #91 |
| 2024 | 380 | 235 | 25.0% | 7.43% | #107 |
| 2025 | 334 | 220 | 21.0% | 7.00% | #129 |
What United Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 86 | 57 | 15 | 17.4% |
| Greenville County | 54 | 37 | 13 | 24.1% |
| Charleston County | 54 | 39 | 8 | 14.8% |
| Spartanburg County | 40 | 26 | 10 | 25.0% |
| York County | 34 | 21 | 8 | 23.5% |
| Dorchester County | 14 | 10 | 3 | 21.4% |
| Berkeley County | 9 | 3 | 4 | 44.4% |
| Lexington County | 9 | 6 | 1 | 11.1% |
| Anderson County | 6 | 5 | 0 | 0.0% |
| Richland County | 5 | 5 | 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: 334 applications in 2025, of which 220 were originated and 70 denied.
21.0% of all applications, or 23.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans United Bank originated in South Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are United 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