States › South Carolina
South Carolina mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in South Carolina, with all 46 counties.
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. Record year 2024.
South Carolina had 227,502 HMDA-reported mortgage applications and 127,482 originations ($38bn) in 2024, from 418 lenders with at least 25 applications in the state.
The statewide denial rate was 25.2% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 60.2 per 1,000 households, against 48.0 nationally.
Originations in the state went from 131,865 in 2018 to 127,482 in 2024; the denial rate moved from 25.3% to 25.2%.
The most active lenders by originations were Rocket Mortgage (8,177), United Wholesale Mortgage (5,332) and First Ciitizens Bank and Trust (3,727).
Most active lenders in South Carolina
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 10,761 | 8,177 | $1.8bn | 16.2% | 0.5 |
| 2 | United Wholesale Mortgage | 7,278 | 5,332 | $1.7bn | 13.6% | 0.1 |
| 3 | First Ciitizens Bank and Trust | 5,736 | 3,727 | $1.0bn | 25.2% | -1.6 |
| 4 | DHI Mortgage Company, LTD. | 5,105 | 3,629 | $1.0bn | 18.3% | -1.0 |
| 5 | Movement Mortgage, LLC | 4,958 | 3,572 | $1.2bn | 4.3% | 0.4 |
| 6 | SouthState Bank, N.A. | 4,499 | 2,804 | $812m | 26.1% | 0.5 |
| 7 | Navy Federal Credit Union | 5,530 | 2,522 | $494m | 32.8% | 0.7 |
| 8 | Lennar Mortgage, LLC | 3,379 | 2,414 | $706m | 11.8% | 0.1 |
| 9 | Guild Mortgage Company | 3,563 | 2,377 | $576m | 5.7% | 0.4 |
| 10 | Vanderbilt Mortgage and Finance, Inc | 12,412 | 2,345 | $522m | 67.5% | 0.6 |
| 11 | Bank of America NA | 5,178 | 2,116 | $469m | 45.9% | 2.0 |
| 12 | Mortgage Research Center | 4,411 | 2,111 | $638m | 25.6% | -0.1 |
| 13 | Loandepot.com, LLC | 3,045 | 1,910 | $488m | 26.6% | -0.1 |
| 14 | Ameris Bank | 2,542 | 1,892 | $583m | 7.7% | 0.2 |
| 15 | Truist Bank | 3,968 | 1,825 | $395m | 44.8% | 0.4 |
| 16 | Founders Federal Credit Union | 2,854 | 1,659 | $222m | 30.3% | 0.9 |
| 17 | Crosscountry Mortgage, LLC | 2,653 | 1,596 | $477m | 2.9% | 0.5 |
| 18 | Freedom Mortgage Corporation | 3,604 | 1,595 | $485m | 15.4% | 0.1 |
| 19 | Primelending | 2,017 | 1,474 | $441m | 5.1% | 0.2 |
| 20 | Fairway Independent Mort Corp | 1,819 | 1,318 | $379m | 6.9% | 0.5 |
| 21 | Nvr Mortgage Finance, Inc. | 1,791 | 1,304 | $329m | 19.7% | -0.1 |
| 22 | Pennymac Loan Services LLC | 2,778 | 1,266 | $324m | 21.6% | 0.3 |
| 23 | 21st Mortgage | 6,941 | 1,212 | $142m | 72.1% | 4.1 |
| 24 | TD Bank | 1,911 | 1,161 | $431m | 25.7% | 0.6 |
| 25 | First Heritage Mortgage, LLC | 1,298 | 1,131 | $336m | 1.6% | 0.2 |
| 26 | Lower, LLC | 1,513 | 1,090 | $289m | 8.8% | 0.4 |
| 27 | South Carolina Federal Credit | 1,722 | 1,065 | $236m | 12.8% | 1.3 |
| 28 | CMG Mortgage Inc | 1,533 | 1,031 | $320m | 8.9% | 0.3 |
| 29 | SC State Credit Union | 1,601 | 1,026 | $107m | 26.6% | -2.6 |
| 30 | Pulte Mortgage LLC | 1,316 | 1,024 | $375m | 6.8% | -0.3 |
| 31 | Nationstar Mortgage | 1,489 | 1,007 | $184m | 15.8% | 1.3 |
| 32 | JPMorgan Chase Bank, NA | 1,447 | 1,000 | $470m | 9.4% | 0.0 |
| 33 | Atlantic Bay Mortgage Group | 1,315 | 982 | $279m | 3.1% | 0.4 |
| 34 | Guaranteed Rate, Inc. | 1,589 | 952 | $303m | 8.9% | 0.3 |
| 35 | Newrez LLC | 2,645 | 949 | $240m | 36.1% | 0.5 |
| 36 | FBC Mortgage, LLC | 1,116 | 947 | $278m | 7.3% | -0.8 |
| 37 | Wells Fargo Bank NA | 1,947 | 900 | $417m | 33.9% | 0.1 |
| 38 | Southern First Bank | 1,037 | 853 | $291m | 3.1% | 0.3 |
| 39 | New American Funding, LLC. | 2,248 | 851 | $209m | 24.5% | 0.8 |
| 40 | Discover Bank | 4,167 | 810 | $67m | 71.0% | 2.4 |
| 41 | First Reliance Bank | 951 | 797 | $263m | 5.2% | 0.1 |
| 42 | United Community Bank | 1,263 | 786 | $196m | 27.9% | -0.1 |
| 43 | Resource Financial Services, Inc. | 953 | 724 | $192m | 4.0% | 0.3 |
| 44 | SAFE Federal Credit Union | 1,242 | 679 | $105m | 26.1% | 0.3 |
| 45 | Regions Bank | 1,373 | 637 | $249m | 40.5% | 0.2 |
| 46 | T2 Financial LLC | 851 | 633 | $183m | 8.4% | 0.8 |
| 47 | Spring Eq, LLC | 1,861 | 605 | $52m | 59.6% | 3.7 |
| 48 | Flagstar Bank NA | 981 | 601 | $160m | 25.2% | 0.3 |
| 49 | PNC Bank N.A. | 1,134 | 596 | $135m | 31.1% | 1.0 |
| 50 | Fifth Third Bank, National Association | 983 | 596 | $363m | 22.2% | 0.1 |
| 51 | Union Home Mortgage Corp. | 766 | 567 | $160m | 6.7% | 0.6 |
| 52 | Palmetto Citizens Federal Cred | 975 | 565 | $65m | 29.9% | -0.2 |
| 53 | Mutual of Omaha Mortgage | 912 | 561 | $148m | 22.3% | 0.4 |
| 54 | Gateway First Bank | 791 | 557 | $155m | 6.1% | 0.5 |
| 55 | First National Bank of Pa | 730 | 544 | $305m | 16.6% | 0.0 |
| 56 | Ark-La-Tex Financial Services LLC | 727 | 540 | $157m | 2.1% | 0.3 |
| 57 | Carolina One Mortgage, LLC | 738 | 524 | $183m | 2.6% | 0.3 |
| 58 | State Employees' Credit Union | 836 | 511 | $113m | 24.5% | -0.6 |
| 59 | Cpm Federal Credit Union | 747 | 501 | $67m | 19.7% | 2.3 |
| 60 | First Palmetto Bank | 563 | 488 | $153m | 3.8% | 0.2 |
Top 60 of 418 lenders with at least 25 applications in the state, by originations. 245 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | South Carolina | United States |
|---|---|---|
| Denial rate | 25.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.5% | 15.6% |
| Average originated loan | $296k | $329k |
| Originations per 1,000 households | 60.2 | 48.0 |
| Home purchase share of originations | 62.8% | 57.0% |
| FHA-insured share | 16.5% | 13.4% |
| VA-guaranteed share | 12.9% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
South CarolinaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 224,628 | 131,865 | $28bn | 25.3% | 14.2% | 11.3% | 23.8% |
| 2019 | 263,054 | 157,491 | $36bn | 23.0% | 14.1% | 13.9% | 32.1% |
| 2020 | 385,217 | 240,188 | $59bn | 18.2% | 10.7% | 15.0% | 51.5% |
| 2021 | 412,900 | 258,061 | $68bn | 17.6% | 11.3% | 12.9% | 50.8% |
| 2022 | 280,780 | 159,385 | $47bn | 23.8% | 12.3% | 10.9% | 28.1% |
| 2023 | 214,599 | 117,572 | $33bn | 26.9% | 15.5% | 11.1% | 16.6% |
| 2024 | 227,502 | 127,482 | $38bn | 25.2% | 16.5% | 12.9% | 22.0% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 63% (80,122)Home improvement 7% (9,019)Refinancing 10% (12,363)Cash-out refinancing 12% (15,743)Other purpose 8% (10,216)
By type
Conventional 70% (88,975)FHA 17% (21,091)VA 13% (16,455)USDA 1% (961)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Horry County | 24,628 | 14,242 | 89.7 | 24.7% | 0.3 | 128 |
| Greenville County | 21,015 | 12,679 | 57.5 | 22.2% | 0.3 | 121 |
| Charleston County | 17,637 | 10,376 | 58.0 | 21.6% | 0.2 | 119 |
| Richland County | 16,939 | 9,495 | 56.5 | 23.8% | 0.2 | 95 |
| Spartanburg County | 15,575 | 9,151 | 69.5 | 24.5% | 0.2 | 99 |
| Berkeley County | 13,866 | 8,032 | 85.7 | 22.3% | 0.1 | 83 |
| York County | 13,531 | 7,963 | 70.0 | 22.9% | 0.3 | 89 |
| Lexington County | 12,941 | 7,417 | 60.8 | 23.4% | 0.3 | 73 |
| Beaufort County | 10,208 | 5,836 | 70.9 | 24.4% | 0.3 | 69 |
| Dorchester County | 9,158 | 5,232 | 82.8 | 21.8% | 0.2 | 66 |
| Anderson County | 8,103 | 4,602 | 54.8 | 25.6% | 0.4 | 71 |
| Aiken County | 6,936 | 4,002 | 57.2 | 23.8% | 0.2 | 53 |
| Lancaster County | 5,191 | 2,994 | 74.6 | 23.0% | 0.4 | 47 |
| Pickens County | 4,427 | 2,560 | 48.8 | 23.8% | 0.4 | 45 |
| Florence County | 4,285 | 2,185 | 41.3 | 29.9% | 0.4 | 44 |
| Sumter County | 3,881 | 2,002 | 48.7 | 28.5% | 0.2 | 37 |
| Kershaw County | 3,405 | 1,960 | 72.9 | 22.0% | 0.2 | 36 |
| Oconee County | 2,819 | 1,585 | 45.9 | 26.1% | 0.3 | 30 |
| Laurens County | 2,741 | 1,358 | 50.4 | 33.2% | 0.3 | 25 |
| Georgetown County | 2,608 | 1,326 | 48.9 | 30.5% | 0.5 | 26 |
| Jasper County | 2,421 | 1,315 | 100.2 | 25.9% | 0.2 | 22 |
| Orangeburg County | 2,821 | 1,121 | 33.9 | 42.7% | 0.5 | 22 |
| Greenwood County | 1,900 | 1,030 | 36.9 | 27.7% | 0.4 | 20 |
| Darlington County | 1,914 | 899 | 35.2 | 34.8% | 0.5 | 21 |
| Cherokee County | 1,725 | 883 | 40.0 | 30.1% | 0.5 | 14 |
| Chester County | 1,491 | 786 | 59.7 | 29.2% | 0.3 | 12 |
| Colleton County | 1,614 | 644 | 39.2 | 42.6% | 0.7 | 14 |
| Newberry County | 1,084 | 562 | 36.7 | 30.4% | 0.5 | 8 |
| Chesterfield County | 1,284 | 551 | 31.4 | 37.3% | 0.7 | 10 |
| Edgefield County | 970 | 518 | 53.0 | 27.6% | 0.3 | 9 |
| Clarendon County | 983 | 461 | 37.3 | 35.4% | 0.6 | 7 |
| Union County | 717 | 347 | 29.9 | 34.5% | 0.6 | 7 |
| Abbeville County | 659 | 318 | 32.6 | 34.1% | 0.4 | 4 |
| Marion County | 762 | 315 | 25.9 | 41.4% | 0.6 | 5 |
| Fairfield County | 666 | 287 | 32.1 | 33.9% | 0.5 | 4 |
| Dillon County | 719 | 267 | 24.7 | 46.3% | 0.9 | 7 |
| Calhoun County | 505 | 256 | 41.4 | 30.8% | 0.5 | 3 |
| Williamsburg County | 678 | 242 | 19.7 | 46.4% | 1.1 | 3 |
| Saluda County | 464 | 226 | 29.5 | 34.8% | 0.6 | 3 |
| Hampton County | 625 | 225 | 31.1 | 49.0% | 0.7 | 3 |
| Barnwell County | 566 | 212 | 26.1 | 47.1% | 0.5 | 4 |
| McCormick County | 388 | 208 | 49.5 | 24.3% | 0.2 | 3 |
| Marlboro County | 514 | 187 | 19.1 | 48.3% | 0.8 | 3 |
| Lee County | 352 | 130 | 20.5 | 47.0% | 0.8 | 3 |
| Bamberg County | 307 | 114 | 24.5 | 47.3% | 0.7 | 2 |
| Allendale County | 131 | 53 | 16.4 | 47.3% | 0.9 | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of South Carolina originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in South Carolina?
By 2024 originations: Rocket Mortgage (8,177), United Wholesale Mortgage (5,332), First Ciitizens Bank and Trust (3,727), DHI Mortgage Company, LTD. (3,629), Movement Mortgage, LLC (3,572). 418 lenders had at least 25 applications in the state.
What is the mortgage denial rate in South Carolina?
25.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in South Carolina changed since 2018?
Originations went from 131,865 in 2018 to 127,482 in 2024; the denial rate moved from 25.3% to 25.2%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.