United Shore Financial Services in South Carolina vs the state
12.8%Denial rate-5.48 pts vs state
15.1%Decision denial rate-8.40 pts vs state
69.6%Origination rate+13.00 pts vs state
6.13%Median rate-0.38 pts vs state
0.08Rate spread (pts)-0.15 pts vs state
$90kMedian applicant income
6,429Loans originated
1,185Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,430 | 3,978 | 11.6% | 6.63% | #7 |
| 2024 | 7,278 | 5,332 | 11.8% | 6.25% | #3 |
| 2025 | 9,236 | 6,429 | 12.8% | 6.13% | #3 |
What United Shore Financial Services 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 Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 812 | 613 | 74 | 9.1% |
| Richland County | 809 | 509 | 118 | 14.6% |
| Greenville County | 796 | 564 | 109 | 13.7% |
| Horry County | 748 | 494 | 128 | 17.1% |
| Spartanburg County | 677 | 481 | 93 | 13.7% |
| Berkeley County | 630 | 456 | 78 | 12.4% |
| Charleston County | 628 | 460 | 71 | 11.3% |
| Lexington County | 521 | 366 | 59 | 11.3% |
| Beaufort County | 460 | 316 | 58 | 12.6% |
| Dorchester County | 406 | 285 | 53 | 13.1% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 9,236 applications in 2025, of which 6,429 were originated and 1,185 denied.
12.8% of all applications, or 15.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans United Shore Financial Services originated in South Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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