Lenders › Lower, LLC › South Carolina
Lower, LLC in South Carolina
HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview
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, Lower, LLC reported 1,513 applications and 1,090 originations for 2024, $289m in all.
Its denial rate in the state was 8.8%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 12.7%.
The median rate spread on its South Carolina originations was 0.4 percentage points (state median 0.3).
Applications in the state were up 238% on 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | Lower, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.8% | 25.2% | 12.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.3% | 15.5% | 7.3% | 15.6% |
| Average originated loan | $265k | $296k | $310k | $329k |
| Home purchase share | 88.0% | 62.8% | 81.3% | 57.0% |
| FHA-insured share | 23.9% | 16.5% | 26.1% | 13.4% |
| VA-guaranteed share | 11.1% | 12.9% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Carolina, all lenders
Loan purpose and loan type in South Carolina
By purpose
Home purchase 88% (959)Refinancing 4% (40)Cash-out refinancing 8% (91)
By type
Conventional 64% (698)FHA 24% (261)VA 11% (121)USDA 1% (10)
Denial reasons as coded
Share of 106 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Greenville County | 249 | 192 | $57m | 6.3% |
| Horry County | 210 | 161 | $42m | 9.9% |
| Richland County | 128 | 89 | $21m | 9.9% |
| Spartanburg County | 119 | 84 | $19m | 7.7% |
| Berkeley County | 112 | 81 | $24m | 8.0% |
| Charleston County | 94 | 67 | $19m | 10.7% |
| Lexington County | 88 | 65 | $15m | 15.6% |
| Dorchester County | 81 | 57 | $17m | 9.2% |
| Anderson County | 51 | 42 | $11m | 2.3% |
| York County | 64 | 41 | $14m | 8.5% |
| Pickens County | 35 | 28 | $7.3m | 6.7% |
| Kershaw County | 25 | 17 | $3.8m | — |
| Sumter County | 25 | 16 | $2.6m | — |
| Aiken County | 26 | 12 | $3.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Lower, LLC originate in South Carolina in 2024?
1,090 loans totalling $289m, from 1,513 applications reported for properties in South Carolina.
What is Lower, LLC's denial rate in South Carolina?
8.8% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 12.7% 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 Lower, LLC lend in most?
By originations: Greenville County (192), Horry County (161), Richland County (89), Spartanburg County (84), Berkeley County (81).
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.