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Orangeburg County, South Carolina · 2025

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

248 lenders acted on 3,559 mortgage applications for properties in Orangeburg County in 2025. 35.2% were denied (South Carolina: 18.3%). Median rate on closed loans 6.63%; median loan $135,000; median property value $245,000.

3.6kApplications
35.2%Denial ratestate 18.3%
6.63%Median ratestate 6.50%
$135,000Median loan
$245,000Median property value

Largest lenders in Orangeburg County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 57248 52.5%10.80%
2 21st Mortgage F 35939 62.7%10.60%
3 Dhi Mortgage Company B 16585 33.3%4.99%
4 Tammac Holdings D 1466 82.2%11.43%
5 Rocket Mortgage C 12176 24.0%6.88%
6 United Shore Financial Services B 11064 17.3%6.12%
7 Triad Financial Services D 9215 57.6%9.00%
8 SouthState Bank B 8140 35.8%7.15%
9 Broker Solutions D 7231 6.9%6.88%
10 Mortgage Research Center C 6438 20.3%6.25%
11 Navy Federal Credit Union D 6225 24.2%7.75%
12 Freedom Mortgage B 6013 16.7%6.25%
13 NVR Mortgage Finance B 6025 41.7%5.88%
14 S. C. State Federal Credit Union A 6029 36.7%4.50%
15 First-Citizens Bank & Trust B 5636 23.2%6.50%
16 Southwest Stage Funding F 559 9.1%7.60%
17 Guild Mortgage A 5437 3.7%6.50%
18 Loandepot.Com D 4822 35.4%6.75%
19 Ameris Bank B 4430 11.4%6.63%
20 Newrez D 4112 26.8%6.69%
21 CPM Federal Credit Union C 3921 23.1%7.75%
22 New Day Financial F 368 22.2%7.06%
23 Kiavi Funding D 366 2.8%10.62%
24 Pennymac Loan Services C 3521 17.1%5.99%
25 Crosscountry Mortgage B 3416 5.9%6.56%

Best approval odds in Orangeburg County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services8522.4%
2Mortgage Research Center5125.5%
3Rocket Mortgage11026.4%
4Dhi Mortgage Company14139.0%
5SouthState Bank7439.2%
6S. C. State Federal Credit Union5639.3%
7NVR Mortgage Finance5050.0%
8Triad Financial Services9257.6%
9Vanderbilt Mortgage and Finance37280.7%
10Tammac Holdings14582.8%

What Orangeburg County borrowers applied for

By loan purpose

Home purchase 2,405 68% · 38.1% denied
Refinance 316 9% · 18.4% denied
Cash-out refinance 468 13% · 29.1% denied
Home improvement 152 4% · 40.1% denied
Other / HELOC 218 6% · 37.2% denied

By loan type

Conventional 2,411 68% · 41.7% denied
FHA 740 21% · 24.6% denied
VA 359 10% · 15.3% denied
USDA / RHS 49 1% · 16.3% denied

Why applications were denied

Credit history 551 44%
Debt-to-income ratio 298 24%
Unverifiable information 130 10%
Collateral 98 8%
Incomplete application 83 7%
Other 48 4%
Insufficient cash 25 2%
Employment history 11 1%

Orangeburg County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,64289037.9%7.00%$125,000
20242,8211,12132.5%6.75%$145,000
20253,5591,26335.2%6.63%$135,000

Frequently asked questions

35.2% of applications in Orangeburg County were denied in 2025, against 18.3% statewide in South Carolina.

Vanderbilt Mortgage and Finance, with 572 applications in 2025 and a denial rate of 52.5%.

The median mortgage application in Orangeburg County in 2025 was for $135,000; the median property value on originated loans was $245,000.