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21st Mortgage in South Carolina

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

LEI 549300XQVJ1XBNFA5536
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.

21st Mortgage's 2024 HMDA record for South Carolina covers 6,941 applications, 1,212 of them originated, worth $142m.

Its denial rate in the state was 72.1%, above the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its South Carolina originations was 4.1 percentage points (state median 0.3).

Applications in the state were down 9% on 2023.

6,941applications in SC, 20244.2% of the lender's total
1,212loans originated$142m
72.1%denial rateSC all lenders 25.2%
4.1 ppmedian rate spreadSC 0.3 pp

Compared with the state and the lender's national record

MeasureIn South CarolinaSouth Carolina, all lenders21st Mortgage, all statesUnited States
Denial rate72.1%25.2%70.3%24.3%
Median rate spread, pp4.10.34.20.3
Originations with spread of 1.5 pp or more99.1%15.5%99.0%15.6%
Average originated loan$117k$296k$114k$329k
Home purchase share98.9%62.8%98.4%57.0%
FHA-insured share0.0%16.5%0.0%13.4%
VA-guaranteed share0.0%12.9%0.0%7.9%

Trend by year

ApplicationsOriginations

04,0108,0202022: 8,020 Applications2023: 7,640 Applications2024: 6,941 Applications2022: 1,359 Originations2023: 1,174 Originations2024: 1,212 Originations202220232024
21st Mortgage in South Carolina: applications and originations, 2022–2024

This lender in stateSouth Carolina, all lenders

0%38.5%76.9%2022: 74.7% This lender in state2023: 76.9% This lender in state2024: 72.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in South Carolina

By purpose

Home purchase 99% (1,199)Home improvement 0% (1)Refinancing 1% (8)Cash-out refinancing 0% (3)Other purpose 0% (1)

By type

Conventional 100% (1,212)

Denial reasons as coded

Debt-to-income ratio33.5%
Credit history33.4%
Insufficient cash (downpayment, closing costs)22%
Credit application incomplete5.2%
Other2.7%
Unverifiable information1.5%
Collateral1.4%
Employment history0.3%
Mortgage insurance denied0%

Share of 3,377 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in South Carolina

CountyApplicationsOriginationsAmountDenial rate
Lexington County41499$11m62.7%
Berkeley County36881$8.7m69.3%
Aiken County42074$8.9m73.9%
Horry County55268$8.3m80.2%
Anderson County32856$8.8m70.7%
Chesterfield County23454$6.2m61.4%
Orangeburg County34451$6.1m75.0%
Florence County33349$5.0m76.2%
Dorchester County22149$4.3m66.0%
Darlington County28848$5.2m73.7%
Greenville County18743$6.5m63.4%
Richland County17332$2.8m69.7%
Sumter County18630$3.7m72.5%
Dillon County19929$3.2m77.6%
Kershaw County13028$3.4m67.4%
Clarendon County11028$3.3m53.0%
Lancaster County9822$3.0m61.9%
Oconee County14321$2.5m79.8%
Barnwell County16820$2.6m81.2%
Marlboro County12720$2.3m72.7%
Williamsburg County12720$2.2m75.6%
Hampton County10520$2.2m69.4%
Laurens County9419$2.2m71.8%
Newberry County6219$2.0m58.7%
Pickens County17118$2.3m81.1%
Jasper County9717$2.0m70.8%
Marion County11816$1.8m77.5%
Georgetown County15115$1.6m84.9%
Colleton County10615$2.4m73.3%
Spartanburg County9715$2.1m73.0%
Charleston County10314$1.5m77.6%
Fairfield County5214$1.5m50.0%
Calhoun County4914$1.7m65.9%
Beaufort County10613$1.7m81.2%
Cherokee County7111$1.4m74.4%
Lee County6211$1.1m71.8%
Saluda County4311$1.5m58.8%
Edgefield County508$1.0m76.3%
Bamberg County526$630k70.4%
Abbeville County316$540k—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in South Carolina in 2024?

1,212 loans totalling $142m, from 6,941 applications reported for properties in South Carolina.

What is 21st Mortgage's denial rate in South Carolina?

72.1% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?

By originations: Lexington County (99), Berkeley County (81), Aiken County (74), Horry County (68), Anderson County (56).

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.