Largest lenders in Florence County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 422 | 57 | 54.0% | 10.76% |
| 2 | Rocket Mortgage | C | 278 | 188 | 21.2% | 6.75% |
| 3 | Vanderbilt Mortgage and Finance | F | 250 | 14 | 54.4% | 9.54% |
| 4 | Movement Mortgage | A | 192 | 154 | 0.5% | 6.44% |
| 5 | First Reliance Bank | A | 163 | 116 | 8.6% | 6.63% |
| 6 | Crosscountry Mortgage | B | 157 | 101 | 3.2% | 6.58% |
| 7 | United Shore Financial Services | B | 148 | 92 | 21.0% | 6.13% |
| 8 | Fairway Independent Mortgage | B | 123 | 98 | 3.3% | 6.75% |
| 9 | Mortgage Research Center | C | 122 | 53 | 23.0% | 6.25% |
| 10 | First-Citizens Bank & Trust | B | 121 | 80 | 14.9% | 6.25% |
| 11 | Freedom Mortgage | B | 106 | 36 | 7.6% | 6.25% |
| 12 | SouthState Bank | B | 100 | 52 | 38.0% | 7.25% |
| 13 | CMG Mortgage | A | 95 | 54 | 12.6% | 7.25% |
| 14 | Triad Financial Services | D | 84 | 16 | 56.0% | 9.72% |
| 15 | Truist Bank | C | 82 | 36 | 36.6% | 6.98% |
| 16 | Broker Solutions | D | 78 | 22 | 16.7% | 6.99% |
| 17 | Pennymac Loan Services | C | 76 | 41 | 6.6% | 6.13% |
| 18 | Navy Federal Credit Union | D | 70 | 30 | 30.0% | 7.50% |
| 19 | Newrez | D | 61 | 20 | 29.5% | 6.69% |
| 20 | Safe Federal Credit Union | C | 60 | 37 | 21.7% | 6.38% |
| 21 | Southwest Stage Funding | F | 56 | 20 | 8.9% | 7.95% |
| 22 | Loandepot.Com | D | 54 | 27 | 33.3% | 6.50% |
| 23 | AmeriSave Mortgage | D | 51 | 12 | 62.8% | 7.44% |
| 24 | Magnolia Bank | C | 50 | 44 | 0.0% | 6.63% |
| 25 | The Citizens Bank | A | 50 | 50 | 0.0% | — |
Best approval odds in Florence County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Citizens Bank | 50 | 0.0% |
| 2 | Movement Mortgage | 173 | 0.6% |
| 3 | Fairway Independent Mortgage | 105 | 3.8% |
| 4 | Crosscountry Mortgage | 108 | 4.6% |
| 5 | First Reliance Bank | 130 | 10.8% |
| 6 | Freedom Mortgage | 60 | 13.3% |
| 7 | First-Citizens Bank & Trust | 104 | 17.3% |
| 8 | CMG Mortgage | 68 | 17.7% |
| 9 | Rocket Mortgage | 257 | 23.0% |
| 10 | Safe Federal Credit Union | 56 | 23.2% |
What Florence County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Florence County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,049 | 2,002 | 25.2% | 6.75% | $155,000 |
| 2024 | 4,285 | 2,185 | 23.3% | 6.75% | $155,000 |
| 2025 | 4,747 | 2,332 | 23.9% | 6.63% | $165,000 |
Frequently asked questions
23.9% of applications in Florence County were denied in 2025, against 18.3% statewide in South Carolina.
21st Mortgage, with 422 applications in 2025 and a denial rate of 54.0%.
The median mortgage application in Florence County in 2025 was for $165,000; the median property value on originated loans was $255,000.