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Lexington County, South Carolina · 2025

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

415 lenders acted on 14,550 mortgage applications for properties in Lexington County in 2025. 16.1% were denied (South Carolina: 18.3%). Median rate on closed loans 6.50%; median loan $205,000; median property value $295,000.

15kApplications
16.1%Denial ratestate 18.3%
6.50%Median ratestate 6.50%
$205,000Median loan
$295,000Median property value

Largest lenders in Lexington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 951397 26.2%6.25%
2 Guild Mortgage A 773553 2.6%6.63%
3 Rocket Mortgage C 723511 17.8%6.75%
4 United Shore Financial Services B 521366 11.3%6.07%
5 Palmetto Citizens Federal Credit Union B 439293 19.1%6.50%
6 First-Citizens Bank & Trust B 434289 18.7%6.44%
7 Crosscountry Mortgage B 382255 3.4%6.58%
8 21st Mortgage F 36491 44.5%10.06%
9 Freedom Mortgage B 341154 6.2%6.25%
10 Mortgage Research Center C 335137 21.2%6.25%
11 Truist Bank C 320159 35.3%6.99%
12 Pennymac Loan Services C 304155 10.2%6.25%
13 Ameris Bank B 303243 4.3%6.49%
14 First Heritage Mortgage A 280235 2.1%6.50%
15 Lennar Mortgage A 277194 10.8%6.25%
16 Bank of America F 276112 35.5%6.24%
17 S. C. State Federal Credit Union A 269204 16.0%4.50%
18 Navy Federal Credit Union D 268120 24.3%6.63%
19 Resource Financial Services B 231171 3.0%6.38%
20 Newrez D 21073 15.2%6.63%
21 Guaranteed Rate Affinity A 203131 3.5%6.50%
22 Broker Solutions D 20067 6.5%6.75%
23 Safe Federal Credit Union C 196142 15.3%6.50%
24 Allsouth Federal Credit Union F 18999 20.1%—
25 Loandepot.Com D 188108 27.1%6.50%

Best approval odds in Lexington County

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

#LenderDecidedDecision denial rate
1Delmar Financial640.0%
2Integrity Home Mortgage871.2%
3Atlantic Bay Mortgage Group741.4%
4First Community Bank1221.6%
5CMG Mortgage1131.8%
6Movement Mortgage952.1%
7First Heritage Mortgage2452.5%
8Guild Mortgage6453.1%
9Resource Financial Services1783.9%
10Primelending, a Plainscapital734.1%

What Lexington County borrowers applied for

By loan purpose

Home purchase 7,623 52% · 11.8% denied
Refinance 2,226 15% · 16.0% denied
Cash-out refinance 2,400 16% · 19.5% denied
Home improvement 884 6% · 28.9% denied
Other / HELOC 1,417 10% · 26.3% denied

By loan type

Conventional 9,552 66% · 18.6% denied
FHA 2,706 19% · 12.5% denied
VA 2,166 15% · 10.0% denied
USDA / RHS 126 1% · 11.9% denied

Why applications were denied

Credit history 752 33%
Debt-to-income ratio 592 26%
Incomplete application 320 14%
Collateral 256 11%
Unverifiable information 165 7%
Other 139 6%
Insufficient cash 61 3%
Employment history 23 1%
Mortgage insurance denied 1 0%

Lexington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202312,4607,02919.0%6.75%$185,000
202412,9417,41718.6%6.63%$195,000
202514,5508,57916.1%6.50%$205,000

Frequently asked questions

16.1% of applications in Lexington County were denied in 2025, against 18.3% statewide in South Carolina.

Vanderbilt Mortgage and Finance, with 951 applications in 2025 and a denial rate of 26.2%.

The median mortgage application in Lexington County in 2025 was for $205,000; the median property value on originated loans was $295,000.