Largest lenders in Barnwell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 152 | 31 | 44.7% | 11.09% |
| 2 | Vanderbilt Mortgage and Finance | F | 57 | 12 | 42.1% | 10.05% |
| 3 | SRP Federal Credit Union | C | 39 | 26 | 7.7% | 7.81% |
| 4 | Guild Mortgage | A | 28 | 20 | 0.0% | 6.44% |
| 5 | Rocket Mortgage | C | 22 | 18 | 18.2% | 6.93% |
| 6 | Regions Bank | C | 18 | 6 | 38.9% | 6.06% |
| 7 | United Shore Financial Services | B | 15 | 9 | 20.0% | 6.38% |
| 8 | Freedom Mortgage | B | 14 | 3 | 7.1% | 6.25% |
| 9 | Tammac Holdings | D | 13 | 0 | 76.9% | — |
| 10 | Mortgage Research Center | C | 13 | 5 | 23.1% | 6.13% |
| 11 | Crosscountry Mortgage | B | 10 | 5 | 0.0% | 6.75% |
| 12 | Enterprise Bank of Sc | B | 10 | 8 | 10.0% | — |
| 13 | Pennymac Loan Services | C | 9 | 4 | 0.0% | 7.19% |
| 14 | Navy Federal Credit Union | D | 9 | 1 | 22.2% | 6.88% |
| 15 | Broker Solutions | D | 8 | 2 | 25.0% | 7.25% |
| 16 | AmeriSave Mortgage | D | 7 | 3 | 57.1% | 6.75% |
| 17 | Movement Mortgage | A | 7 | 5 | 0.0% | 6.94% |
| 18 | Triad Financial Services | D | 7 | 0 | 71.4% | — |
| 19 | Security Federal Bank | B | 7 | 3 | 14.3% | 6.49% |
| 20 | S. C. State Federal Credit Union | A | 7 | 4 | 28.6% | 5.31% |
| 21 | SouthState Bank | B | 6 | 3 | 16.7% | 7.00% |
| 22 | Countryplace Mortgage | F | 6 | 1 | 33.3% | 5.75% |
| 23 | New Day Financial | F | 5 | 2 | 20.0% | 7.25% |
| 24 | Credit Human Federal Credit Union | D | 5 | 0 | 100.0% | — |
| 25 | Newrez | D | 5 | 1 | 40.0% | 5.99% |
Best approval odds in Barnwell County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 102 | 66.7% |
What Barnwell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Barnwell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 529 | 205 | 36.7% | 6.88% | $125,000 |
| 2024 | 566 | 212 | 35.5% | 6.63% | $135,000 |
| 2025 | 604 | 231 | 31.1% | 6.88% | $135,000 |
Frequently asked questions
31.1% of applications in Barnwell County were denied in 2025, against 18.3% statewide in South Carolina.
21st Mortgage, with 152 applications in 2025 and a denial rate of 44.7%.
The median mortgage application in Barnwell County in 2025 was for $135,000; the median property value on originated loans was $195,000.