Applications / Mortgage Analytics / Lenders / South Carolina / HQ Mortgage
Mount Pleasant, SC · Non-bank or government lender · CFPB · 45 loans in 2025
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45
loans originated, 2025
62
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HQ Mortgage, a South Carolina lender to home buyers that first reported in 2024, made 45 loans in 2025, less than a third of the 153 it made in its first year.
Its loans fell 71%, while similar lenders (lenders of the same type making between half and twice as many loans) fell 6% and the whole market grew 10%. Almost no peer fell further. Much of the drop shows in Charleston, where its share went from 0.5% to 0.0%. A lender in only its second year may still be finding its level, and with two years of filings it is too early to say which year is typical.
Purchases made up 93.3% of its loans and refinancing 6.7%; every loan was conventional, with no government backing. It lends in 12 counties across two states. In Greenville, its largest market, it ranked 185 of 589 lenders, and its share rose to 0.1%.
Its typical rate was 6.38%, against 6.88% at the typical similar lender, lower than about four in five of them. Its typical loan, $325,000, was smaller than the $395,000 of its peers, and it made no jumbo loans (larger than the conforming limit). Its share of borrowers with low or moderate incomes, 22.2%, was close to the 26.0% of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HQ Mortgage took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.3% · Refinance 6.7%
Conventional 100.0% · of 45 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 43 | 95.6% |
| North Carolina | 2 | 4.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 16 |
| Charleston-North Charleston | 13 |
| Myrtle Beach-Conway-North Myrtle Beach | 3 |
| Spartanburg | 3 |
| Asheville | 1 |
| Augusta-Richmond County | 1 |
| Durham-Chapel Hill | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C0ZJF1UV50O925 | 2024–2025 |
Established 10 December 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: HQ Mortgage's data.
HQ Mortgage's data
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HQ Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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