South Carolina Mortgage Lending in 2025
Explore residential mortgage lending activity in South Carolina using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 128,189 actionable applications (Actions 1, 2, and 3).
How South Carolina Compares
Key metrics: South Carolina vs. U.S. (2025)
| Metric | South Carolina | U.S. |
|---|---|---|
| Actionable Apps | 128,189 | 5,197,320 |
| Approval Rate | 78.99% | 82.12% |
| Denial Rate | 21.01% | 17.88% |
| Originations | 95,845 | 4,052,301 |
| Originated Volume | $31.82 Billion | $1.58 Trillion |
| Median Loan | $285,000 | $325,000 |
Lending Trends in South Carolina
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 149,733 | 168,315 | +12.41% |
| Actionable Apps | 115,279 | 128,189 | +11.20% |
| Originations | 85,518 | 95,845 | +12.08% |
| Approval Rate | 78.15% | 78.99% | +0.84 pp |
| Denial Rate | 21.85% | 21.01% | -0.84 pp |
| Median Loan | $275,000 | $285,000 | +3.64% |
| Dollar Volume | $26.98 Billion | $31.82 Billion | +17.91% |
Applications by Borrower Income (South Carolina)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 26,093 | 86.29% | 13.71% |
| $150k+ | 24,051 | 91.24% | 8.76% |
| $50k–$99,999 | 51,253 | 78.16% | 21.84% |
| <$50k | 17,559 | 50.87% | 49.13% |
| Income unavailable/entity | 9,233 | 84.47% | 15.53% |
Metropolitan Areas in South Carolina
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Charlotte-Concord-Gastonia | 61,266 | 49,763 | 84.92% |
| Charleston-North Charleston | 22,173 | 17,567 | 82.88% |
| Columbia | 20,091 | 15,228 | 80.76% |
| Greenville-Anderson-Greer | 20,462 | 16,055 | 81.96% |
| Augusta-Richmond County | 12,751 | 9,721 | 80.76% |
| Myrtle Beach-Conway-North Myrtle Beach | 11,933 | 8,979 | 79.12% |
| Spartanburg | 10,494 | 8,068 | 80.39% |
| Hilton Head Island-Bluffton-Port Royal | 6,593 | 4,889 | 78.66% |
| Florence | 3,697 | 2,310 | 67.24% |
| Sumter | 2,241 | 1,591 | 76.75% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in South Carolina (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 6,586 | 81.10% |
| 2 | United Wholesale Mortgage | 5,725 | 86.01% |
| 3 | DHI Mortgage Company, LTD. | 3,897 | 79.68% |
| 4 | MOVEMENT MORTGAGE, LLC | 2,382 | 97.62% |
| 5 | Lennar Mortgage, LLC | 2,340 | 86.86% |
| 6 | Mortgage Research Center | 2,297 | 70.68% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC | 2,268 | 34.50% |
| 8 | FREEDOM MORTGAGE CORPORATION | 2,144 | 87.53% |
| 9 | GUILD MORTGAGE COMPANY | 2,142 | 94.77% |
| 10 | loanDepot.com LLC | 1,928 | 77.55% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
View State Directory →Download Data
Export official South Carolina mortgage data for research, journalism, or analysis.