Find a better mortgage lender

Aiken County, South Carolina · 2025

Mortgage lenders in Aiken County, SC: denial rates and top lenders (2025)

356 lenders acted on 8,086 mortgage applications for properties in Aiken County in 2025. 17.3% were denied (South Carolina: 18.3%). Median rate on closed loans 6.50%; median loan $205,000; median property value $295,000.

8.1kApplications
17.3%Denial ratestate 18.3%
6.50%Median ratestate 6.50%
$205,000Median loan
$295,000Median property value

Largest lenders in Aiken County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 548420 14.2%6.63%
2 SRP Federal Credit Union C 519353 9.1%6.13%
3 21st Mortgage F 459100 50.1%10.31%
4 Guild Mortgage A 419289 5.5%6.50%
5 Dhi Mortgage Company B 315206 14.9%5.50%
6 United Shore Financial Services B 278183 11.5%6.07%
7 Mortgage Research Center C 220116 14.1%6.25%
8 Vanderbilt Mortgage and Finance F 21643 34.7%6.88%
9 Security Federal Bank B 192136 8.3%6.38%
10 Regions Bank C 18689 32.3%6.13%
11 Navy Federal Credit Union D 18280 22.0%6.88%
12 Freedom Mortgage B 17163 8.8%6.25%
13 Movement Mortgage A 159118 2.5%6.38%
14 SouthState Bank B 151110 13.9%6.63%
15 First Heritage Mortgage A 146128 4.1%5.50%
16 Bank of America F 13964 31.7%6.24%
17 Broker Solutions D 13949 7.9%6.88%
18 Pennymac Loan Services C 13865 12.3%6.25%
19 Crosscountry Mortgage B 12678 1.6%6.58%
20 Assurance Financial Group C 12499 4.8%6.50%
21 Ameris Bank B 11387 5.3%6.49%
22 First-Citizens Bank & Trust B 11287 13.4%6.49%
23 AmeriSave Mortgage D 10229 60.8%8.25%
24 Newrez D 10235 16.7%6.25%
25 Loandepot.Com D 8444 35.7%6.75%

Best approval odds in Aiken County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Crosscountry Mortgage812.5%
2Movement Mortgage1372.9%
3First Heritage Mortgage1344.5%
4Assurance Financial Group1055.7%
5Ameris Bank936.5%
6Guild Mortgage3396.8%
7American Financial Resources698.7%
8Security Federal Bank15310.5%
9SRP Federal Credit Union41411.4%
10Fbc Mortgage5813.8%

What Aiken County borrowers applied for

By loan purpose

Home purchase 4,478 55% · 13.2% denied
Refinance 1,017 13% · 13.6% denied
Cash-out refinance 1,333 16% · 23.8% denied
Home improvement 531 7% · 25.4% denied
Other / HELOC 727 9% · 29.9% denied

By loan type

Conventional 5,102 63% · 19.5% denied
FHA 1,633 20% · 15.3% denied
VA 1,226 15% · 11.4% denied
USDA / RHS 125 2% · 9.6% denied

Why applications were denied

Credit history 454 33%
Debt-to-income ratio 345 25%
Collateral 185 14%
Incomplete application 158 12%
Other 93 7%
Unverifiable information 72 5%
Insufficient cash 45 3%
Employment history 16 1%

Aiken County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,5633,60321.6%6.63%$175,000
20246,9364,00219.1%6.63%$195,000
20258,0864,66017.3%6.50%$205,000

Frequently asked questions

17.3% of applications in Aiken County were denied in 2025, against 18.3% statewide in South Carolina.

Rocket Mortgage, with 548 applications in 2025 and a denial rate of 14.2%.

The median mortgage application in Aiken County in 2025 was for $205,000; the median property value on originated loans was $295,000.