Village Capital & Investment in South Carolina vs the state
20.5%Denial rate+2.15 pts vs state
26.5%Decision denial rate+3.04 pts vs state
34.9%Origination rate-21.72 pts vs state
5.75%Median rate-0.75 pts vs state
—Rate spread (pts)
$82kMedian applicant income
382Loans originated
224Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 508 | 120 | 18.5% | 6.25% | #89 |
| 2024 | 987 | 324 | 15.0% | 5.75% | #51 |
| 2025 | 1,095 | 382 | 20.5% | 5.75% | #56 |
What Village Capital & Investment lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 153 | 47 | 40 | 26.1% |
| Berkeley County | 98 | 36 | 22 | 22.4% |
| Lexington County | 78 | 31 | 8 | 10.3% |
| Greenville County | 77 | 18 | 25 | 32.5% |
| Horry County | 76 | 31 | 15 | 19.7% |
| Dorchester County | 67 | 28 | 6 | 9.0% |
| Spartanburg County | 63 | 18 | 19 | 30.2% |
| York County | 60 | 20 | 11 | 18.3% |
| Charleston County | 55 | 20 | 8 | 14.5% |
| Aiken County | 40 | 14 | 7 | 17.5% |
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: 1,095 applications in 2025, of which 382 were originated and 224 denied.
20.5% of all applications, or 26.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Village Capital & Investment originated in South Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Village Capital & Investment'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