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Laurens County, South Carolina · 2025

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

255 lenders acted on 3,270 mortgage applications for properties in Laurens County in 2025. 24.0% were denied (South Carolina: 18.3%). Median rate on closed loans 6.50%; median loan $185,000; median property value $285,000.

3.3kApplications
24.0%Denial ratestate 18.3%
6.50%Median ratestate 6.50%
$185,000Median loan
$285,000Median property value

Largest lenders in Laurens County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 31136 41.2%10.05%
2 NVR Mortgage Finance B 216158 20.8%5.99%
3 Loandepot.Com D 168124 20.2%4.75%
4 Dhi Mortgage Company B 155104 16.8%4.99%
5 Rocket Mortgage C 12591 24.0%6.99%
6 Founders Federal Credit Union D 12161 39.7%7.63%
7 United Shore Financial Services B 8962 14.6%6.61%
8 21st Mortgage F 8112 45.7%10.57%
9 Ameris Bank B 6556 6.2%6.13%
10 Tammac Holdings D 644 76.6%9.45%
11 Arthur State Bank C 6135 23.0%7.13%
12 Truist Bank C 5832 31.0%6.55%
13 Atlantic Bay Mortgage Group A 5239 7.7%6.49%
14 Mortgage Research Center C 5224 23.1%6.50%
15 United Community Bank B 4935 18.4%6.50%
16 Pennymac Loan Services C 4621 15.2%6.38%
17 Freedom Mortgage B 4321 11.6%6.25%
18 Newrez D 4214 19.1%6.25%
19 Triad Financial Services D 429 35.7%8.58%
20 Primelending, a Plainscapital A 4136 0.0%6.25%
21 AmeriSave Mortgage D 386 71.1%7.75%
22 Southwest Stage Funding F 387 2.6%7.85%
23 First-Citizens Bank & Trust B 3724 16.2%6.30%
24 Jet Homeloans A 3726 13.5%4.99%
25 American Pacific Mortgage C 3224 15.6%6.50%

Best approval odds in Laurens County

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

#LenderDecidedDecision denial rate
1Ameris Bank606.7%
2United Shore Financial Services7517.3%
3Dhi Mortgage Company13119.9%
4Loandepot.Com16021.3%
5NVR Mortgage Finance20322.2%
6Rocket Mortgage12324.4%
7Arthur State Bank5028.0%
8Truist Bank5135.3%
9Founders Federal Credit Union11143.2%
1021st Mortgage5172.6%

What Laurens County borrowers applied for

By loan purpose

Home purchase 2,111 65% · 20.8% denied
Refinance 305 9% · 18.7% denied
Cash-out refinance 394 12% · 31.0% denied
Home improvement 196 6% · 35.7% denied
Other / HELOC 264 8% · 36.7% denied

By loan type

Conventional 2,043 62% · 26.7% denied
FHA 876 27% · 20.8% denied
VA 287 9% · 17.1% denied
USDA / RHS 64 2% · 12.5% denied

Why applications were denied

Credit history 264 34%
Debt-to-income ratio 188 24%
Incomplete application 83 11%
Unverifiable information 83 11%
Collateral 79 10%
Other 51 6%
Insufficient cash 30 4%
Employment history 7 1%

Laurens County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4601,17026.9%6.75%$155,000
20242,7411,35826.2%6.68%$165,000
20253,2701,71424.0%6.50%$185,000

Frequently asked questions

24.0% of applications in Laurens County were denied in 2025, against 18.3% statewide in South Carolina.

Vanderbilt Mortgage and Finance, with 311 applications in 2025 and a denial rate of 41.2%.

The median mortgage application in Laurens County in 2025 was for $185,000; the median property value on originated loans was $285,000.