Largest lenders in Darlington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 255 | 55 | 49.0% | 10.62% |
| 2 | Rocket Mortgage | C | 126 | 91 | 19.8% | 6.75% |
| 3 | Vanderbilt Mortgage and Finance | F | 113 | 14 | 53.1% | 11.05% |
| 4 | First-Citizens Bank & Trust | B | 91 | 64 | 22.0% | 6.38% |
| 5 | Crosscountry Mortgage | B | 84 | 60 | 0.0% | 6.58% |
| 6 | United Shore Financial Services | B | 73 | 42 | 17.8% | 6.12% |
| 7 | Mortgage Research Center | C | 46 | 15 | 28.3% | 6.38% |
| 8 | Freedom Mortgage | B | 41 | 16 | 14.6% | 6.25% |
| 9 | Movement Mortgage | A | 41 | 32 | 0.0% | 6.38% |
| 10 | Fairway Independent Mortgage | B | 37 | 32 | 2.7% | 6.88% |
| 11 | Triad Financial Services | D | 35 | 5 | 60.0% | 7.87% |
| 12 | Pennymac Loan Services | C | 32 | 12 | 21.9% | 6.06% |
| 13 | Dhi Mortgage Company | B | 32 | 19 | 25.0% | 4.99% |
| 14 | Newrez | D | 30 | 8 | 30.0% | 6.12% |
| 15 | Inspire Home Loans | B | 28 | 19 | 10.7% | 6.25% |
| 16 | New Day Financial | F | 27 | 3 | 14.8% | 7.25% |
| 17 | CMG Mortgage | A | 27 | 19 | 14.8% | 7.12% |
| 18 | Navy Federal Credit Union | D | 24 | 9 | 25.0% | 6.38% |
| 19 | Southwest Stage Funding | F | 24 | 8 | 8.3% | 7.58% |
| 20 | AmeriSave Mortgage | D | 23 | 3 | 73.9% | 7.63% |
| 21 | First Reliance Bank | A | 22 | 16 | 13.6% | 6.31% |
| 22 | SPC Credit Union | – | 22 | 13 | 18.2% | 6.50% |
| 23 | Carolina Bank & Trust | – | 21 | 16 | 4.8% | — |
| 24 | Bank of America | F | 19 | 7 | 57.9% | 6.25% |
| 25 | Broker Solutions | D | 19 | 6 | 21.1% | 6.75% |
Best approval odds in Darlington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 63 | 0.0% |
| 2 | Rocket Mortgage | 118 | 21.2% |
| 3 | United Shore Financial Services | 58 | 22.4% |
| 4 | First-Citizens Bank & Trust | 85 | 23.5% |
| 5 | 21st Mortgage | 187 | 66.8% |
| 6 | Vanderbilt Mortgage and Finance | 76 | 79.0% |
What Darlington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Darlington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,764 | 747 | 31.2% | 6.99% | $125,000 |
| 2024 | 1,914 | 899 | 27.2% | 6.75% | $135,000 |
| 2025 | 1,948 | 944 | 26.0% | 6.63% | $145,000 |
Frequently asked questions
26.0% of applications in Darlington County were denied in 2025, against 18.3% statewide in South Carolina.
21st Mortgage, with 255 applications in 2025 and a denial rate of 49.0%.
The median mortgage application in Darlington County in 2025 was for $145,000; the median property value on originated loans was $225,000.