Uwharrie Bank in South Carolina vs the state
12.5%Denial rate-5.81 pts vs state
14.3%Decision denial rate-9.18 pts vs state
71.9%Origination rate+15.27 pts vs state
6.63%Median rate+0.13 pts vs state
0.18Rate spread (pts)-0.04 pts vs state
$160kMedian applicant income
23Loans originated
4Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 35 | 8.7% | 7.13% | #333 |
| 2024 | 38 | 25 | 7.9% | 6.63% | #361 |
| 2025 | 32 | 23 | 12.5% | 6.63% | #394 |
What Uwharrie 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 Uwharrie Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 11 | 10 | 1 | 9.1% |
| Lancaster County | 5 | 4 | 0 | 0.0% |
| Horry County | 4 | 3 | 0 | 0.0% |
| Charleston County | 3 | 0 | 1 | 33.3% |
| Richland County | 2 | 0 | 1 | 50.0% |
| Spartanburg County | 1 | 1 | 0 | 0.0% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Greenville County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 1 | 100.0% |
| Chesterfield 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: 32 applications in 2025, of which 23 were originated and 4 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Uwharrie Bank originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Uwharrie 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