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Lancaster County, South Carolina · 2025

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

356 lenders acted on 5,966 mortgage applications for properties in Lancaster County in 2025. 16.5% were denied (South Carolina: 18.3%). Median rate on closed loans 6.50%; median loan $255,000; median property value $465,000.

6.0kApplications
16.5%Denial ratestate 18.3%
6.50%Median ratestate 6.50%
$255,000Median loan
$465,000Median property value

Largest lenders in Lancaster County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Founders Federal Credit Union D 392271 16.3%7.63%
2 Rocket Mortgage C 362272 13.5%6.75%
3 United Shore Financial Services B 350258 11.1%6.13%
4 Movement Mortgage A 307224 2.9%6.56%
5 Bank of America F 18790 31.0%6.24%
6 Taylor Morrison Home Funding A 159127 3.8%5.50%
7 Vanderbilt Mortgage and Finance F 15610 34.0%10.05%
8 NVR Mortgage Finance B 145108 20.7%6.06%
9 Lennar Mortgage A 138120 2.2%6.00%
10 Truist Bank C 13367 33.1%6.44%
11 Kbhs Home Loans B 11289 4.5%6.25%
12 First-Citizens Bank & Trust B 10167 22.8%6.38%
13 Pennymac Loan Services C 10053 13.0%6.38%
14 Freedom Mortgage B 9334 4.3%5.75%
15 Wells Fargo Bank B 9159 13.2%6.25%
16 Pulte Mortgage A 9065 11.1%6.13%
17 Fifth Third Bank D 8536 37.7%7.38%
18 Spring Eq D 8228 50.0%8.38%
19 Mortgage Research Center C 8237 13.4%6.13%
20 State Employees' C 7744 26.0%6.25%
21 Newrez D 7521 12.0%6.25%
22 Navy Federal Credit Union D 7427 21.6%7.75%
23 21st Mortgage F 6515 35.4%9.90%
24 Loandepot.Com D 6544 16.9%6.69%
25 AmeriSave Mortgage D 6018 63.3%8.88%

Best approval odds in Lancaster County

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

#LenderDecidedDecision denial rate
1Lennar Mortgage1242.4%
2Movement Mortgage2703.3%
3Taylor Morrison Home Funding1334.5%
4Kbhs Home Loans955.3%
5Toll Brothers Mortgage506.0%
6United Shore Financial Services30212.9%
7Pulte Mortgage7513.3%
8Rocket Mortgage33814.5%
9Wells Fargo Bank7116.9%
10Founders Federal Credit Union34418.6%

What Lancaster County borrowers applied for

By loan purpose

Home purchase 3,003 50% · 10.2% denied
Refinance 899 15% · 13.6% denied
Cash-out refinance 906 15% · 21.3% denied
Home improvement 444 7% · 34.9% denied
Other / HELOC 714 12% · 29.1% denied

By loan type

Conventional 4,458 75% · 17.6% denied
FHA 919 15% · 15.2% denied
VA 551 9% · 9.4% denied
USDA / RHS 38 1% · 15.8% denied

Why applications were denied

Debt-to-income ratio 321 33%
Credit history 226 23%
Incomplete application 153 16%
Collateral 98 10%
Other 94 10%
Unverifiable information 55 6%
Insufficient cash 27 3%
Employment history 6 1%

Lancaster County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,9892,83818.3%6.75%$215,000
20245,1912,99418.5%6.75%$215,000
20255,9663,54816.5%6.50%$255,000

Frequently asked questions

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

Founders Federal Credit Union, with 392 applications in 2025 and a denial rate of 16.3%.

The median mortgage application in Lancaster County in 2025 was for $255,000; the median property value on originated loans was $465,000.