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United Wholesale Mortgage in South Carolina

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

LEI 549300HW662MN1WU8550
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.

In South Carolina, United Wholesale Mortgage reported 7,278 applications and 5,332 originations for 2024, $1.7bn in all.

Its denial rate in the state was 13.6%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its South Carolina originations was 0.1 percentage points (state median 0.3).

Applications in the state were up 34% on 2023.

7,278applications in SC, 20241.5% of the lender's total
5,332loans originated$1.7bn
13.6%denial rateSC all lenders 25.2%
0.1 ppmedian rate spreadSC 0.3 pp

Compared with the state and the lender's national record

MeasureIn South CarolinaSouth Carolina, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate13.6%25.2%13.4%24.3%
Median rate spread, pp0.10.30.20.3
Originations with spread of 1.5 pp or more6.4%15.5%5.8%15.6%
Average originated loan$312k$296k$382k$329k
Home purchase share56.5%62.8%67.0%57.0%
FHA-insured share24.5%16.5%20.3%13.4%
VA-guaranteed share26.6%12.9%14.6%7.9%

Trend by year

ApplicationsOriginations

03,6397,2782022: 5,555 Applications2023: 5,430 Applications2024: 7,278 Applications2022: 4,266 Originations2023: 3,978 Originations2024: 5,332 Originations202220232024
United Wholesale Mortgage in South Carolina: applications and originations, 2022–2024

This lender in stateSouth Carolina, all lenders

0%13.4%26.9%2022: 10.6% This lender in state2023: 13.5% This lender in state2024: 13.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in South Carolina

By purpose

Home purchase 56% (3,012)Refinancing 21% (1,118)Cash-out refinancing 23% (1,202)

By type

Conventional 48% (2,573)FHA 25% (1,308)VA 27% (1,419)USDA 1% (32)

Denial reasons as coded

Collateral33.8%
Debt-to-income ratio32.8%
Insufficient cash (downpayment, closing costs)17.3%
Other9.4%
Credit history4.3%
Unverifiable information2.3%
Employment history0.1%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 861 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in South Carolina

CountyApplicationsOriginationsAmountDenial rate
York County674525$188m9.2%
Horry County673476$145m18.3%
Charleston County585441$186m14.7%
Greenville County616437$132m13.6%
Berkeley County561430$151m10.2%
Richland County601419$109m14.1%
Spartanburg County480356$93m12.1%
Lexington County389282$76m12.9%
Dorchester County388281$89m12.9%
Beaufort County326241$95m13.6%
Anderson County300224$57m14.7%
Lancaster County230186$70m8.1%
Aiken County170124$33m12.2%
Pickens County12995$28m13.6%
Sumter County10975$20m23.5%
Kershaw County9774$22m10.7%
Florence County9768$15m11.4%
Greenwood County8168$15m8.1%
Oconee County8758$20m24.4%
Laurens County6649$11m15.5%
Jasper County6548$16m12.7%
Georgetown County6545$17m15.1%
Orangeburg County7139$8.2m35.0%
Cherokee County5237$9.0m11.9%
Colleton County3931$8.3m8.8%
Chester County4329$6.3m19.4%
Darlington County3422$5.0m17.9%
Chesterfield County2917$4.3m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did United Wholesale Mortgage originate in South Carolina in 2024?

5,332 loans totalling $1.7bn, from 7,278 applications reported for properties in South Carolina.

What is United Wholesale Mortgage's denial rate in South Carolina?

13.6% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?

By originations: York County (525), Horry County (476), Charleston County (441), Greenville County (437), Berkeley County (430).

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.