U.S. Bank in South Carolina vs the state
32.4%Denial rate+14.12 pts vs state
38.6%Decision denial rate+15.16 pts vs state
50.8%Origination rate-5.77 pts vs state
6.49%Median rate-0.01 pts vs state
0.00Rate spread (pts)-0.22 pts vs state
$141kMedian applicant income
301Loans originated
192Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 558 | 259 | 32.8% | 6.50% | #82 |
| 2024 | 535 | 266 | 33.3% | 6.63% | #84 |
| 2025 | 592 | 301 | 32.4% | 6.49% | #88 |
What U.S. 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 U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 75 | 66 | 1 | 1.3% |
| Charleston County | 52 | 30 | 15 | 28.8% |
| Horry County | 51 | 19 | 18 | 35.3% |
| Greenville County | 40 | 18 | 9 | 22.5% |
| York County | 39 | 14 | 18 | 46.2% |
| Beaufort County | 34 | 25 | 4 | 11.8% |
| Richland County | 34 | 13 | 12 | 35.3% |
| Spartanburg County | 30 | 14 | 11 | 36.7% |
| Berkeley County | 27 | 14 | 9 | 33.3% |
| Lexington County | 26 | 10 | 14 | 53.8% |
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: 592 applications in 2025, of which 301 were originated and 192 denied.
32.4% of all applications, or 38.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans U.S. Bank originated in South Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are U.S. 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