Largest lenders in Dorchester County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Lennar Mortgage | A | 676 | 460 | 8.3% | 6.13% |
| 2 | Rocket Mortgage | C | 539 | 414 | 13.0% | 6.63% |
| 3 | Navy Federal Credit Union | D | 493 | 237 | 19.5% | 7.75% |
| 4 | United Shore Financial Services | B | 406 | 285 | 13.1% | 6.00% |
| 5 | Vanderbilt Mortgage and Finance | F | 398 | 89 | 49.5% | 6.13% |
| 6 | Freedom Mortgage | B | 346 | 148 | 5.8% | 6.00% |
| 7 | Mortgage Research Center | C | 300 | 123 | 17.3% | 6.13% |
| 8 | Pennymac Loan Services | C | 211 | 98 | 10.0% | 6.13% |
| 9 | South Carolina Federal Credit Union | F | 193 | 113 | 9.8% | 8.13% |
| 10 | 21st Mortgage | F | 184 | 39 | 42.9% | 10.34% |
| 11 | Carolina One Mortgage | B | 180 | 121 | 2.2% | 6.50% |
| 12 | Newrez | D | 175 | 61 | 18.3% | 6.74% |
| 13 | Movement Mortgage | A | 166 | 128 | 2.4% | 6.13% |
| 14 | Bank of America | F | 161 | 59 | 41.0% | 6.49% |
| 15 | Crosscountry Mortgage | B | 159 | 91 | 3.1% | 6.74% |
| 16 | CMG Mortgage | A | 158 | 111 | 7.0% | 6.50% |
| 17 | First-Citizens Bank & Trust | B | 157 | 101 | 21.7% | 6.35% |
| 18 | Lower | C | 141 | 100 | 11.4% | 6.50% |
| 19 | SouthState Bank | B | 131 | 69 | 35.1% | 7.15% |
| 20 | Ameris Bank | B | 128 | 87 | 10.2% | 6.38% |
| 21 | New Day Financial | F | 114 | 11 | 29.8% | 7.01% |
| 22 | Broker Solutions | D | 114 | 45 | 5.3% | 6.63% |
| 23 | Direct Mortgage Loans | B | 106 | 82 | 0.9% | 6.25% |
| 24 | Loandepot.Com | D | 99 | 59 | 18.2% | 6.63% |
| 25 | Spring Eq | D | 91 | 29 | 50.6% | 9.48% |
Best approval odds in Dorchester County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Direct Mortgage Loans | 93 | 1.1% |
| 2 | Nation One Mortgage | 67 | 1.5% |
| 3 | Movement Mortgage | 151 | 2.7% |
| 4 | Carolina One Mortgage | 127 | 3.2% |
| 5 | Velocio Mortgage | 62 | 3.2% |
| 6 | Primelending, a Plainscapital | 52 | 3.9% |
| 7 | Crosscountry Mortgage | 99 | 5.1% |
| 8 | Fairway Independent Mortgage | 58 | 5.2% |
| 9 | Atlantic Coast Mortgage | 73 | 5.5% |
| 10 | CMG Mortgage | 130 | 8.5% |
What Dorchester County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dorchester County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 8,510 | 4,788 | 19.2% | 6.63% | $245,000 |
| 2024 | 9,158 | 5,232 | 16.7% | 6.63% | $265,000 |
| 2025 | 9,940 | 5,508 | 17.0% | 6.49% | $285,000 |
Frequently asked questions
17.0% of applications in Dorchester County were denied in 2025, against 18.3% statewide in South Carolina.
Lennar Mortgage, with 676 applications in 2025 and a denial rate of 8.3%.
The median mortgage application in Dorchester County in 2025 was for $285,000; the median property value on originated loans was $385,000.