Largest lenders in Fairfield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 68 | 9 | 44.1% | 9.80% |
| 2 | 21st Mortgage | F | 51 | 8 | 39.2% | 10.23% |
| 3 | Rocket Mortgage | C | 41 | 25 | 24.4% | 6.88% |
| 4 | United Shore Financial Services | B | 34 | 18 | 11.8% | 6.13% |
| 5 | Founders Federal Credit Union | D | 30 | 16 | 33.3% | 7.13% |
| 6 | First-Citizens Bank & Trust | B | 24 | 14 | 33.3% | 6.28% |
| 7 | New Day Financial | F | 20 | 4 | 15.0% | 6.68% |
| 8 | Navy Federal Credit Union | D | 20 | 5 | 35.0% | 7.75% |
| 9 | Mortgage Research Center | C | 16 | 6 | 18.8% | 6.63% |
| 10 | Palmetto Citizens Federal Credit Union | B | 16 | 9 | 18.8% | 6.25% |
| 11 | SouthState Bank | B | 15 | 12 | 20.0% | 6.63% |
| 12 | AmeriSave Mortgage | D | 14 | 2 | 64.3% | 6.06% |
| 13 | Allsouth Federal Credit Union | F | 14 | 8 | 28.6% | — |
| 14 | Truist Bank | C | 12 | 8 | 16.7% | 7.15% |
| 15 | Guild Mortgage | A | 12 | 11 | 0.0% | 6.25% |
| 16 | Loandepot.Com | D | 12 | 5 | 33.3% | 6.13% |
| 17 | Freedom Mortgage | B | 11 | 4 | 18.2% | 5.50% |
| 18 | Broker Solutions | D | 10 | 2 | 10.0% | 8.25% |
| 19 | Pennymac Loan Services | C | 9 | 4 | 22.2% | 7.94% |
| 20 | Crosscountry Mortgage | B | 9 | 5 | 0.0% | 6.63% |
| 21 | Lower | C | 9 | 3 | 11.1% | 7.13% |
| 22 | Newrez | D | 9 | 3 | 22.2% | 6.75% |
| 23 | Movement Mortgage | A | 9 | 8 | 0.0% | 6.44% |
| 24 | Southwest Stage Funding | F | 9 | 1 | 11.1% | 6.38% |
| 25 | First Community Bank | B | 9 | 6 | 0.0% | 6.76% |
What Fairfield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fairfield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 680 | 284 | 31.2% | 6.88% | $125,000 |
| 2024 | 666 | 287 | 24.5% | 6.75% | $145,000 |
| 2025 | 787 | 356 | 23.8% | 6.75% | $155,000 |
Frequently asked questions
23.8% of applications in Fairfield County were denied in 2025, against 18.3% statewide in South Carolina.
Vanderbilt Mortgage and Finance, with 68 applications in 2025 and a denial rate of 44.1%.
The median mortgage application in Fairfield County in 2025 was for $155,000; the median property value on originated loans was $290,000.