Name of the lender

AdvantageFirst Lending Inc in South CarolinaMortgage rates, total loan costs and denial rate for homes in South Carolina, 2025

HMDA year2025

StateSouth Carolina

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 400 applications for homes in South Carolina in the HMDA data of 2025.

It originated 154 loans in the state in 2025, for $47.5 million in total.

The median interest rate of these loans in 2025 was 6.250%, and the median of all lenders in South Carolina was 6.375%.

The median total loan costs in 2025 were $17,275, and the state median was $6,489.

It denied 31.3% of the applications that it decided in the state in 2025, and the state denial rate was 23.5%.

Filed figures of AdvantageFirst Lending Inc in South Carolina, 2025
Figure	In SC	Lender, all states	SC, all lenders
Applications	400	12,186	252,738
Loans originated	154	4,137	143,083
Median interest rate	6.250%	6.125%	6.375%
Median total loan costs	$17,275	$18,448	$6,489
Denial rate	31.3%	34.9%	23.5%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in SC

Pricing medians of AdvantageFirst Lending Inc in South Carolina, 2025Each value has the median of all lenders in South Carolina under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in SC	153	6.250%SC 6.375%	$17,275SC $6,489	$11,525SC $2,287	$8,940SC $2,865	$101SC $510	0.489SC 0.148

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.489 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,467 more a year, or $122 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in South Carolina by the action taken
Action taken	Records	Share
1Loan originated	154	38.5%
2Application approved but not accepted	0	0.0%
3Application denied	70	17.5%
4Application withdrawn by applicant	161	40.3%
5File closed for incompleteness	15	3.8%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in South Carolina by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	55	24	27.3%
FHA-insured	228	92	31.3%
VA-guaranteed	117	38	33.3%

Counties in South Carolina

Counties of AdvantageFirst Lending Inc in South Carolina with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Berkeley County	27	12	$3.7 million	n/a
Charleston County	27	13	$5.1 million	n/a
Greenville County	33	12	$4.0 million	n/a
Horry County	30	12	$3.3 million	n/a
Richland County	41	9	$2.9 million	n/a
Spartanburg County	33	12	$2.8 million	n/a
York County	30	13	$4.9 million	n/a

Figures by year

AdvantageFirst Lending Inc in South Carolina by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	400	154	$47.5 million	6.250%	$17,275	31.3%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in South Carolina, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/sc/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in South Carolina. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in South Carolina in 2025?: 154 of its loans originated, out of 4,137 in all states. That is 3.7%.
In which counties of South Carolina did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Charleston County (13), York County (13) and Berkeley County (12).
Which loan types did AdvantageFirst Lending Inc originate in South Carolina in 2025?: 24 conventional, 92 FHA and 38 VA.
What share of the applications in South Carolina did AdvantageFirst Lending Inc report in 2025?: 0.2%: 400 out of 252,738 applications of all lenders in the state.