University Bank in South Carolina vs the state
8.2%Denial rate-10.11 pts vs state
10.4%Decision denial rate-13.05 pts vs state
70.5%Origination rate+13.88 pts vs state
6.25%Median rate-0.25 pts vs state
-0.05Rate spread (pts)-0.27 pts vs state
$166kMedian applicant income
43Loans originated
5Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 10 | 14.3% | 7.00% | #468 |
| 2024 | 17 | 13 | 5.9% | 6.88% | #463 |
| 2025 | 61 | 43 | 8.2% | 6.25% | #316 |
What University 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 University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 17 | 9 | 2 | 11.8% |
| York County | 15 | 14 | 0 | 0.0% |
| Charleston County | 13 | 8 | 0 | 0.0% |
| Horry County | 5 | 2 | 2 | 40.0% |
| Greenville County | 4 | 3 | 1 | 25.0% |
| Spartanburg County | 3 | 3 | 0 | 0.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Colleton County | 1 | 1 | 0 | 0.0% |
| Lexington County | 1 | 1 | 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: 61 applications in 2025, of which 43 were originated and 5 denied.
8.2% of all applications, or 10.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans University Bank originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are University 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