United Community Bank in South Carolina vs the state
24.6%Denial rate+6.31 pts vs state
26.9%Decision denial rate+3.39 pts vs state
64.3%Origination rate+7.65 pts vs state
6.50%Median rate0.00 pts vs state
-0.70Rate spread (pts)-0.92 pts vs state
$110kMedian applicant income
924Loans originated
354Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,428 | 851 | 27.5% | 7.13% | #36 |
| 2024 | 1,263 | 786 | 25.3% | 7.38% | #44 |
| 2025 | 1,438 | 924 | 24.6% | 6.50% | #44 |
What United Community 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 Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 411 | 273 | 93 | 22.6% |
| Spartanburg County | 210 | 136 | 53 | 25.2% |
| Charleston County | 126 | 79 | 30 | 23.8% |
| Anderson County | 114 | 70 | 28 | 24.6% |
| Horry County | 113 | 75 | 29 | 25.7% |
| Beaufort County | 68 | 47 | 18 | 26.5% |
| Pickens County | 58 | 37 | 13 | 22.4% |
| Laurens County | 49 | 35 | 9 | 18.4% |
| Greenwood County | 49 | 34 | 12 | 24.5% |
| Richland County | 41 | 25 | 11 | 26.8% |
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: 1,438 applications in 2025, of which 924 were originated and 354 denied.
24.6% of all applications, or 26.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans United Community Bank originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United Community 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