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Greenville County, South Carolina · 2025

Mortgage lenders in Greenville County, SC: denial rates and top lenders (2025)

566 lenders acted on 23,446 mortgage applications for properties in Greenville County in 2025. 16.5% were denied (South Carolina: 18.3%). Median rate on closed loans 6.50%; median loan $235,000; median property value $375,000.

23kApplications
16.5%Denial ratestate 18.3%
6.50%Median ratestate 6.50%
$235,000Median loan
$375,000Median property value

Largest lenders in Greenville County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 1,3201,028 13.0%6.63%
2 United Shore Financial Services B 796564 13.7%6.22%
3 Southern First Bank B 683600 0.9%6.88%
4 Vanderbilt Mortgage and Finance F 67461 43.2%6.75%
5 Truist Bank C 644346 31.4%6.70%
6 Primelending, a Plainscapital A 627507 2.2%6.38%
7 Bank of America F 614233 37.1%6.24%
8 Dhi Mortgage Company B 538388 12.3%5.38%
9 Pennymac Loan Services C 480235 9.6%6.38%
10 First-Citizens Bank & Trust B 428282 21.0%6.34%
11 United Community Bank B 411273 22.6%6.50%
12 Loandepot.Com D 404270 19.3%4.99%
13 Freedom Mortgage B 396166 5.6%6.25%
14 SouthState Bank B 383292 11.8%6.59%
15 Crosscountry Mortgage B 378243 2.9%6.63%
16 Navy Federal Credit Union D 345159 21.7%7.75%
17 Greenville D 344142 28.5%7.50%
18 Mortgage Research Center C 322153 18.3%6.13%
19 NVR Mortgage Finance B 315236 15.6%5.99%
20 Truliant Federal Credit Union D 313157 38.3%7.25%
21 Newrez D 306118 16.7%6.75%
22 Lennar Mortgage A 295217 15.6%6.25%
23 First Heritage Mortgage A 281247 2.5%6.25%
24 Lower C 265212 6.8%6.63%
25 CPM Federal Credit Union C 263187 14.8%8.24%

Best approval odds in Greenville County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Renasant Bank560.0%
2Unnamed lender 894500CFQPXSLHK0OK521290.0%
3Southern First Bank6151.0%
4American Neighborhood Mortgage Acceptance Company721.4%
5Delmar Financial551.8%
6A&D Mortgage541.9%
7First Community Bank521.9%
8Primelending, a Plainscapital5382.6%
9Luminate Bank1122.7%
10First Heritage Mortgage2562.7%

What Greenville County borrowers applied for

By loan purpose

Home purchase 11,317 48% · 10.2% denied
Refinance 3,551 15% · 15.0% denied
Cash-out refinance 3,596 15% · 20.2% denied
Home improvement 2,212 9% · 29.8% denied
Other / HELOC 2,770 12% · 28.5% denied

By loan type

Conventional 17,814 76% · 17.2% denied
FHA 3,612 15% · 15.5% denied
VA 1,953 8% · 11.4% denied
USDA / RHS 67 0% · 20.9% denied

Why applications were denied

Debt-to-income ratio 1,174 31%
Credit history 999 26%
Collateral 482 13%
Incomplete application 472 12%
Other 296 8%
Unverifiable information 292 8%
Insufficient cash 66 2%
Employment history 45 1%
Mortgage insurance denied 6 0%

Greenville County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202319,77811,93318.1%6.75%$215,000
202421,01512,67917.9%6.75%$225,000
202523,44614,24116.5%6.50%$235,000

Frequently asked questions

16.5% of applications in Greenville County were denied in 2025, against 18.3% statewide in South Carolina.

Rocket Mortgage, with 1,320 applications in 2025 and a denial rate of 13.0%.

The median mortgage application in Greenville County in 2025 was for $235,000; the median property value on originated loans was $375,000.