Zippy Loans in South Carolina vs the state
40.0%Denial rate+21.69 pts vs state
70.6%Decision denial rate+47.12 pts vs state
16.7%Origination rate-39.94 pts vs state
10.50%Median rate+4.00 pts vs state
0.05Rate spread (pts)-0.17 pts vs state
$56kMedian applicant income
15Loans originated
36Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 62 | 8 | 53.2% | 10.90% | #296 |
| 2025 | 90 | 15 | 40.0% | 10.50% | #269 |
What Zippy Loans lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 13 | 1 | 5 | 38.5% |
| Lexington County | 12 | 0 | 7 | 58.3% |
| Charleston County | 9 | 4 | 1 | 11.1% |
| Florence County | 9 | 1 | 6 | 66.7% |
| Berkeley County | 6 | 2 | 1 | 16.7% |
| Dorchester County | 4 | 1 | 1 | 25.0% |
| Darlington County | 3 | 2 | 0 | 0.0% |
| Dillon County | 3 | 2 | 0 | 0.0% |
| Kershaw County | 3 | 0 | 3 | 100.0% |
| Jasper County | 2 | 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: 90 applications in 2025, of which 15 were originated and 36 denied.
40.0% of all applications, or 70.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Zippy Loans originated in South Carolina in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Zippy Loans'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