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Rocket Mortgage in South Carolina

HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State South Carolina

HMDA data alone cannot be used 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. Cells under 25 applications are withheld.

Rocket Mortgage's 2024 HMDA record for South Carolina covers 10,761 applications, 8,177 of them originated, worth $1.8bn.

Its denial rate in the state was 16.2%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its South Carolina originations was 0.5 percentage points (state median 0.3).

Applications in the state were up 18% on 2023.

10,761applications in SC, 20242.2% of the lender's total
8,177loans originated$1.8bn
16.2%denial rateSC all lenders 25.2%
0.5 ppmedian rate spreadSC 0.3 pp

Compared with the state and the lender's national record

MeasureIn South CarolinaSouth Carolina, all lendersRocket Mortgage, all statesUnited States
Denial rate16.2%25.2%18.2%24.3%
Median rate spread, pp0.50.30.50.3
Originations with spread of 1.5 pp or more18.6%15.5%17.8%15.6%
Average originated loan$226k$296k$270k$329k
Home purchase share33.6%62.8%38.0%57.0%
FHA-insured share19.9%16.5%18.5%13.4%
VA-guaranteed share10.9%12.9%7.8%7.9%

Trend by year

ApplicationsOriginations

07035.514,0712022: 14,071 Applications2023: 9,143 Applications2024: 10,761 Applications2022: 10,285 Originations2023: 6,699 Originations2024: 8,177 Originations202220232024
Rocket Mortgage in South Carolina: applications and originations, 2022–2024

This lender in stateSouth Carolina, all lenders

0%13.4%26.9%2022: 17.7% This lender in state2023: 17.8% This lender in state2024: 16.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in South Carolina

By purpose

Home purchase 34% (2,750)Home improvement 1% (63)Refinancing 10% (786)Cash-out refinancing 51% (4,184)Other purpose 5% (394)

By type

Conventional 69% (5,656)FHA 20% (1,627)VA 11% (894)

Denial reasons as coded

Collateral41.1%
Debt-to-income ratio19.8%
Credit application incomplete19.2%
Credit history6.4%
Insufficient cash (downpayment, closing costs)4.8%
Other4.6%
Unverifiable information2.7%
Employment history1.5%
Mortgage insurance denied0%

Share of 1,615 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in South Carolina

CountyApplicationsOriginationsAmountDenial rate
Horry County1,168880$180m17.4%
Greenville County1,046823$185m13.6%
York County969763$206m13.7%
Spartanburg County761574$116m17.4%
Charleston County683521$157m15.8%
Richland County705504$101m19.1%
Berkeley County539446$113m9.8%
Lexington County544405$83m16.0%
Anderson County481357$73m17.6%
Beaufort County413332$92m13.5%
Aiken County405312$66m16.2%
Dorchester County386311$75m10.5%
Lancaster County311255$71m10.8%
Pickens County262209$43m14.1%
Florence County213153$32m19.1%
Oconee County162113$28m16.9%
Kershaw County148112$21m20.3%
Sumter County139100$18m21.2%
Greenwood County12195$17m15.9%
Georgetown County11889$20m18.2%
Laurens County11581$16m23.4%
Orangeburg County10475$13m25.0%
Cherokee County10774$13m21.3%
Chester County9473$14m14.1%
Darlington County8062$11m13.5%
Jasper County7552$14m20.0%
Colleton County7142$7.8m37.3%
Edgefield County5438$8.0m20.0%
Newberry County4334$6.1m14.6%
Clarendon County4633$6.0m20.5%
Marion County4031$4.5m16.2%
Chesterfield County4830$5.1m27.9%
Abbeville County4328$4.1m26.3%
Fairfield County3523$4.9m19.4%
Dillon County2519$2.9m—
Union County4018$2.4m47.2%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in South Carolina in 2024?

8,177 loans totalling $1.8bn, from 10,761 applications reported for properties in South Carolina.

What is Rocket Mortgage's denial rate in South Carolina?

16.2% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 18.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which South Carolina counties does Rocket Mortgage lend in most?

By originations: Horry County (880), Greenville County (823), York County (763), Spartanburg County (574), Charleston County (521).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.