Largest lenders in Edgefield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | SRP Federal Credit Union | C | 93 | 64 | 7.5% | 6.13% |
| 2 | 21st Mortgage | F | 71 | 10 | 47.9% | 10.44% |
| 3 | Guild Mortgage | A | 65 | 52 | 3.1% | 6.25% |
| 4 | Rocket Mortgage | C | 62 | 50 | 8.1% | 6.50% |
| 5 | Vanderbilt Mortgage and Finance | F | 46 | 10 | 37.0% | 7.00% |
| 6 | Regions Bank | C | 39 | 16 | 35.9% | 5.94% |
| 7 | Mortgage Research Center | C | 34 | 20 | 5.9% | 6.25% |
| 8 | United Shore Financial Services | B | 31 | 18 | 9.7% | 6.25% |
| 9 | Freedom Mortgage | B | 30 | 9 | 26.7% | 5.75% |
| 10 | First-Citizens Bank & Trust | B | 28 | 20 | 21.4% | 6.38% |
| 11 | Navy Federal Credit Union | D | 26 | 13 | 23.1% | 6.88% |
| 12 | SouthState Bank | B | 24 | 18 | 16.7% | 6.13% |
| 13 | First Heritage Mortgage | A | 23 | 21 | 4.4% | 6.19% |
| 14 | Ameris Bank | B | 22 | 17 | 9.1% | 6.50% |
| 15 | Pennymac Loan Services | C | 21 | 9 | 19.1% | 5.63% |
| 16 | Newrez | D | 19 | 5 | 15.8% | 6.13% |
| 17 | Movement Mortgage | A | 19 | 13 | 0.0% | 6.38% |
| 18 | Security Federal Bank | B | 18 | 13 | 16.7% | 6.13% |
| 19 | AmeriSave Mortgage | D | 17 | 4 | 58.8% | 6.63% |
| 20 | Crosscountry Mortgage | B | 15 | 9 | 0.0% | 6.25% |
| 21 | Fairway Independent Mortgage | B | 15 | 10 | 0.0% | 6.63% |
| 22 | Broker Solutions | D | 15 | 6 | 6.7% | 6.69% |
| 23 | Triad Financial Services | D | 14 | 0 | 50.0% | — |
| 24 | Queensborough National Bank & Trust | B | 14 | 12 | 0.0% | 6.25% |
| 25 | Cadence Bank | B | 13 | 9 | 7.7% | 6.25% |
Best approval odds in Edgefield County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 58 | 3.5% |
| 2 | Rocket Mortgage | 55 | 9.1% |
| 3 | SRP Federal Credit Union | 73 | 9.6% |
What Edgefield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Edgefield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 892 | 484 | 21.0% | 6.63% | $185,000 |
| 2024 | 970 | 518 | 21.8% | 6.63% | $195,000 |
| 2025 | 1,122 | 627 | 16.9% | 6.38% | $205,000 |
Frequently asked questions
16.9% of applications in Edgefield County were denied in 2025, against 18.3% statewide in South Carolina.
SRP Federal Credit Union, with 93 applications in 2025 and a denial rate of 7.5%.
The median mortgage application in Edgefield County in 2025 was for $205,000; the median property value on originated loans was $325,000.