Lender in South Carolina · HMDA 2025
Lower, LLC mortgages in South Carolina
Lower, LLC's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Lower, LLC originated 1,162 owner-occupied single-family loans in South Carolina from 1,296 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $6,320 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.75% (South Carolina: 6.624%).
Loans in SC
1,162
of 1,296 applications
Denial rate
5.0%
Purchase · SC 8.8%
Rate spread
+0.36 pts
Conv. · SC +0.12 pts
Loan amount
$285,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,073 | 1,015 | 5.0% | 6.750% | +0.36 pts | $6,320 | $285,000 |
| Refinance | 77 | 64 | 14.3% | 6.250% | +0.09 pts | $7,300 | $315,000 |
| Cash-out refinance | 146 | 83 | 38.4% | 6.875% | +0.44 pts | $6,820 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| McCormick County | 1 | 19 | 15.1% |
| Horry County | 9 | 187 | 2.1% |
| Greenville County | 10 | 189 | 2.1% |
| Dorchester County | 10 | 83 | 2.1% |
| Colleton County | 10 | 8 | 2.5% |
| Williamsburg County | 11 | 3 | 2.8% |
| Marion County | 13 | 4 | 2.3% |
| Anderson County | 14 | 54 | 1.6% |
| Laurens County | 14 | 18 | 1.6% |
| Berkeley County | 15 | 113 | 1.7% |
| Pickens County | 16 | 28 | 1.6% |
| Greenwood County | 16 | 9 | 1.2% |
| Hampton County | 16 | 2 | 1.8% |
| Lexington County | 18 | 82 | 1.4% |
| Kershaw County | 18 | 18 | 1.5% |
| Chesterfield County | 19 | 4 | 1.2% |
| Cherokee County | 20 | 6 | 1.1% |
| Saluda County | 23 | 2 | 1.5% |
| Spartanburg County | 24 | 77 | 1.0% |
| Newberry County | 24 | 4 | 1.1% |
| Oconee County | 25 | 9 | 0.8% |
- Lower, LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology