South Carolina’s FHA denial rate in 2025 was 21.0% across 32,938 decisioned applications — ranking #33 of 52 states. Among high-volume lenders, the lowest observed denial rate was Movement Mortgage, LLC at 3.9%; the highest was Amerisave Mortgage Company at 73.2%. The institutional spread inside South Carolina is 18.8×: the same FHA application faces a 3.9% observed denial rate at one high-volume door and 73.2% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | South Carolina FHA apps | Denial rate |
|---|---|---|
| Movement Mortgage, LLC | 792 | 3.9% |
| Crosscountry Mortgage, LLC | 689 | 5.7% |
| Guild Mortgage Company | 881 | 9.2% |
| Freedom Mortgage Corporation | 1,122 | 17.9% |
| Lennar Mortgage, LLC | 909 | 20.4% |
| Pennymac Loan Services LLC | 779 | 20.7% |
| United Wholesale Mortgage | 2,061 | 22.4% |
| New American Funding, LLC. | 517 | 22.8% |
| Dhi Mortgage Company, Ltd. | 2,448 | 26.1% |
| Rocket Mortgage | 2,315 | 27.9% |
| Nvr Mortgage Finance, Inc. | 814 | 33.8% |
| Loandepot.Com LLC | 1,342 | 34.9% |
| Newrez LLC | 501 | 51.3% |
| Lakeview Loan Servicing, LLC | 491 | 53.4% |
| Amerisave Mortgage Company | 628 | 73.2% |
Applications under $150K were denied 37.6% of the time versus 17.8% for loans of $250K+ — a 2.1× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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