Largest lenders in Georgetown County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 147 | 16 | 40.8% | 10.42% |
| 2 | Rocket Mortgage | C | 136 | 98 | 19.1% | 6.88% |
| 3 | 21st Mortgage | F | 122 | 17 | 54.9% | 11.01% |
| 4 | SouthState Bank | B | 94 | 58 | 20.2% | 7.15% |
| 5 | Gateway First Bank | B | 92 | 75 | 0.0% | 6.63% |
| 6 | First-Citizens Bank & Trust | B | 91 | 46 | 34.1% | 6.25% |
| 7 | United Shore Financial Services | B | 84 | 52 | 20.2% | 6.44% |
| 8 | Bank of America | F | 70 | 32 | 28.6% | 6.37% |
| 9 | Triad Financial Services | D | 65 | 17 | 41.5% | 8.73% |
| 10 | Movement Mortgage | A | 60 | 37 | 1.7% | 6.63% |
| 11 | South Atlantic Bank | B | 51 | 39 | 3.9% | — |
| 12 | Truist Bank | C | 50 | 24 | 48.0% | 6.44% |
| 13 | Mortgage Research Center | C | 47 | 20 | 12.8% | 6.31% |
| 14 | Guaranteed Rate | B | 43 | 26 | 2.3% | 6.84% |
| 15 | Navy Federal Credit Union | D | 43 | 20 | 16.3% | 7.31% |
| 16 | Newrez | D | 40 | 15 | 12.5% | 6.75% |
| 17 | Pennymac Loan Services | C | 37 | 23 | 0.0% | 6.38% |
| 18 | The Citizens Bank | A | 37 | 29 | 0.0% | — |
| 19 | Freedom Mortgage | B | 37 | 15 | 13.5% | 6.25% |
| 20 | Tammac Holdings | D | 34 | 5 | 67.7% | 9.80% |
| 21 | Crosscountry Mortgage | B | 32 | 19 | 3.1% | 6.49% |
| 22 | CMG Mortgage | A | 32 | 24 | 0.0% | 6.44% |
| 23 | Ameris Bank | B | 31 | 23 | 6.5% | 6.88% |
| 24 | The Conway National Bank | B | 29 | 27 | 6.9% | — |
| 25 | South Carolina Federal Credit Union | F | 28 | 19 | 10.7% | 7.13% |
Best approval odds in Georgetown County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Gateway First Bank | 75 | 0.0% |
| 2 | Rocket Mortgage | 129 | 20.2% |
| 3 | United Shore Financial Services | 70 | 24.3% |
| 4 | SouthState Bank | 78 | 24.4% |
| 5 | Bank of America | 52 | 38.5% |
| 6 | First-Citizens Bank & Trust | 79 | 39.2% |
| 7 | Triad Financial Services | 65 | 41.5% |
| 8 | Vanderbilt Mortgage and Finance | 83 | 72.3% |
| 9 | 21st Mortgage | 84 | 79.8% |
What Georgetown County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Georgetown County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,489 | 1,301 | 24.2% | 7.00% | $195,000 |
| 2024 | 2,608 | 1,326 | 23.8% | 6.99% | $195,000 |
| 2025 | 2,715 | 1,475 | 19.8% | 6.75% | $215,000 |
Frequently asked questions
19.8% of applications in Georgetown County were denied in 2025, against 18.3% statewide in South Carolina.
Vanderbilt Mortgage and Finance, with 147 applications in 2025 and a denial rate of 40.8%.
The median mortgage application in Georgetown County in 2025 was for $215,000; the median property value on originated loans was $465,000.