Lender in South Carolina · HMDA 2025
Rate mortgages in South Carolina
Rate's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Rate originated 836 owner-occupied single-family loans in South Carolina from 905 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $5,290 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
836
of 905 applications
Denial rate
6.1%
Purchase · SC 8.8%
Rate spread
+0.26 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 | 726 | 677 | 6.1% | 6.750% | +0.26 pts | $5,290 | $285,000 |
| Refinance | 107 | 99 | 5.6% | 6.250% | −0.01 pts | $4,660 | $385,000 |
| Cash-out refinance | 72 | 60 | 16.7% | 6.825% | +0.21 pts | $5,140 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Abbeville County | 10 | 5 | 2.4% |
| Georgetown County | 13 | 14 | 1.9% |
| Anderson County | 15 | 53 | 1.6% |
| Horry County | 18 | 118 | 1.3% |
| Beaufort County | 18 | 48 | 1.3% |
| Pickens County | 18 | 25 | 1.4% |
| Spartanburg County | 20 | 84 | 1.1% |
| Oconee County | 20 | 11 | 1.0% |
| Florence County | 21 | 17 | 1.1% |
| Sumter County | 21 | 12 | 0.8% |
| Greenville County | 24 | 92 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology