Largest lenders in Calhoun County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 72 | 8 | 43.1% | 11.18% |
| 2 | 21st Mortgage | F | 49 | 14 | 26.5% | 10.63% |
| 3 | Rocket Mortgage | C | 31 | 16 | 32.3% | 6.56% |
| 4 | Guild Mortgage | A | 21 | 18 | 0.0% | 6.38% |
| 5 | SouthState Bank | B | 16 | 4 | 50.0% | 6.70% |
| 6 | United Shore Financial Services | B | 16 | 11 | 18.8% | 5.75% |
| 7 | Bank of America | F | 13 | 5 | 30.8% | 6.24% |
| 8 | First-Citizens Bank & Trust | B | 12 | 6 | 25.0% | 5.99% |
| 9 | Ameris Bank | B | 12 | 8 | 0.0% | 6.88% |
| 10 | Truist Bank | C | 11 | 9 | 18.2% | 6.49% |
| 11 | Newrez | D | 11 | 3 | 9.1% | 6.25% |
| 12 | Mortgage Research Center | C | 11 | 6 | 18.2% | 6.56% |
| 13 | Crosscountry Mortgage | B | 10 | 5 | 0.0% | 6.58% |
| 14 | Tammac Holdings | D | 7 | 0 | 100.0% | — |
| 15 | Loandepot.Com | D | 7 | 4 | 42.9% | 6.56% |
| 16 | Navy Federal Credit Union | D | 7 | 2 | 28.6% | 8.38% |
| 17 | American Financial Resources | B | 7 | 5 | 14.3% | 6.50% |
| 18 | CPM Federal Credit Union | C | 6 | 1 | 50.0% | 10.74% |
| 19 | Safe Federal Credit Union | C | 6 | 4 | 33.3% | 6.88% |
| 20 | S. C. State Federal Credit Union | A | 6 | 4 | 16.7% | 4.50% |
| 21 | First Community Bank | B | 6 | 5 | 0.0% | 6.83% |
| 22 | Guaranteed Rate Affinity | A | 6 | 4 | 0.0% | 6.25% |
| 23 | New Day Financial | F | 5 | 0 | 20.0% | — |
| 24 | Towne Mortgage | B | 5 | 3 | 0.0% | 6.88% |
| 25 | Bayshore Mortgage Funding | C | 5 | 3 | 40.0% | 7.63% |
What Calhoun County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Calhoun County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 434 | 185 | 33.9% | 6.88% | $125,000 |
| 2024 | 505 | 256 | 24.6% | 6.75% | $155,000 |
| 2025 | 514 | 239 | 25.1% | 6.58% | $165,000 |
Frequently asked questions
25.1% of applications in Calhoun County were denied in 2025, against 18.3% statewide in South Carolina.
Vanderbilt Mortgage and Finance, with 72 applications in 2025 and a denial rate of 43.1%.
The median mortgage application in Calhoun County in 2025 was for $165,000; the median property value on originated loans was $285,000.