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Berkeley County, South Carolina · 2025

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

445 lenders acted on 15,376 mortgage applications for properties in Berkeley County in 2025. 15.9% were denied (South Carolina: 18.3%). Median rate on closed loans 6.25%; median loan $305,000; median property value $395,000.

15kApplications
15.9%Denial ratestate 18.3%
6.25%Median ratestate 6.50%
$305,000Median loan
$395,000Median property value

Largest lenders in Berkeley County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Dhi Mortgage Company B 766564 12.3%4.50%
2 Lennar Mortgage A 736519 8.6%6.00%
3 Vanderbilt Mortgage and Finance F 705206 35.6%6.13%
4 Navy Federal Credit Union D 653311 19.9%7.75%
5 Rocket Mortgage C 648464 15.7%6.63%
6 United Shore Financial Services B 630456 12.4%6.00%
7 Freedom Mortgage B 490235 7.8%5.99%
8 Mortgage Research Center C 389157 21.9%6.13%
9 South Carolina Federal Credit Union F 325184 9.9%7.69%
10 Pennymac Loan Services C 312149 11.5%6.13%
11 21st Mortgage F 31261 51.3%11.08%
12 Pulte Mortgage A 291223 6.5%5.88%
13 Velocio Mortgage A 280246 3.6%4.99%
14 Newrez D 26189 15.7%6.25%
15 First-Citizens Bank & Trust B 241151 22.4%6.49%
16 Carolina One Mortgage B 235157 4.3%6.38%
17 Loandepot.Com D 227153 16.3%6.63%
18 Jet Homeloans A 218150 5.1%4.99%
19 Crosscountry Mortgage B 213130 4.2%6.63%
20 SouthState Bank B 205115 30.2%6.85%
21 CMG Mortgage A 205141 7.8%6.56%
22 Ameris Bank B 197151 8.6%6.25%
23 Lower C 195137 6.2%6.50%
24 Bank of America F 19472 43.3%6.25%
25 Nation One Mortgage C 171139 0.6%6.50%

Best approval odds in Berkeley County

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

#LenderDecidedDecision denial rate
1Direct Mortgage Loans610.0%
2Atlantic Coast Mortgage840.0%
3Nation One Mortgage1400.7%
4First Heritage Mortgage711.4%
5Sente Mortgage641.6%
6Fairway Independent Mortgage882.3%
7Renasant Bank523.9%
8Velocio Mortgage2563.9%
9Movement Mortgage1484.1%
10American Financial Resources575.3%

What Berkeley County borrowers applied for

By loan purpose

Home purchase 8,835 57% · 11.7% denied
Refinance 2,137 14% · 13.9% denied
Cash-out refinance 2,420 16% · 21.2% denied
Home improvement 823 5% · 29.0% denied
Other / HELOC 1,161 8% · 30.9% denied

By loan type

Conventional 8,716 57% · 19.2% denied
FHA 3,033 20% · 13.6% denied
VA 3,490 23% · 9.9% denied
USDA / RHS 137 1% · 9.5% denied

Why applications were denied

Debt-to-income ratio 767 31%
Credit history 731 30%
Incomplete application 270 11%
Collateral 229 9%
Other 197 8%
Unverifiable information 151 6%
Insufficient cash 60 2%
Employment history 35 1%
Mortgage insurance denied 1 0%

Berkeley County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202312,9077,30318.8%6.50%$265,000
202413,8668,03217.4%6.50%$285,000
202515,3769,00315.9%6.25%$305,000

Frequently asked questions

15.9% of applications in Berkeley County were denied in 2025, against 18.3% statewide in South Carolina.

Dhi Mortgage Company, with 766 applications in 2025 and a denial rate of 12.3%.

The median mortgage application in Berkeley County in 2025 was for $305,000; the median property value on originated loans was $395,000.