Vanderbilt Mortgage and Finance in South Carolina vs the state
40.7%Denial rate+22.34 pts vs state
64.6%Decision denial rate+41.16 pts vs state
20.0%Origination rate-36.65 pts vs state
6.50%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.07 pts vs state
$62kMedian applicant income
2,449Loans originated
4,989Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,423 | 1,859 | 45.8% | 9.05% | #1 |
| 2024 | 12,412 | 2,345 | 44.1% | 6.99% | #1 |
| 2025 | 12,272 | 2,449 | 40.7% | 6.50% | #2 |
What Vanderbilt Mortgage and Finance lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 1,045 | 312 | 348 | 33.3% |
| Lexington County | 951 | 397 | 249 | 26.2% |
| Berkeley County | 705 | 206 | 251 | 35.6% |
| Greenville County | 674 | 61 | 291 | 43.2% |
| Richland County | 657 | 321 | 178 | 27.1% |
| Horry County | 642 | 208 | 204 | 31.8% |
| Beaufort County | 641 | 95 | 305 | 47.6% |
| Orangeburg County | 572 | 48 | 300 | 52.4% |
| York County | 459 | 47 | 170 | 37.0% |
| Charleston County | 458 | 35 | 238 | 52.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| 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% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 12,272 applications in 2025, of which 2,449 were originated and 4,989 denied.
40.7% of all applications, or 64.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Vanderbilt Mortgage and Finance originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Vanderbilt Mortgage and Finance'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