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Richland County, South Carolina · 2025

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

475 lenders acted on 18,622 mortgage applications for properties in Richland County in 2025. 17.1% were denied (South Carolina: 18.3%). Median rate on closed loans 6.49%; median loan $215,000; median property value $285,000.

19kApplications
17.1%Denial ratestate 18.3%
6.49%Median ratestate 6.50%
$215,000Median loan
$285,000Median property value

Largest lenders in Richland County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 921640 5.3%6.63%
2 Rocket Mortgage C 823569 19.0%6.50%
3 United Shore Financial Services B 809509 14.6%6.13%
4 Vanderbilt Mortgage and Finance F 657321 27.1%5.99%
5 First-Citizens Bank & Trust B 653453 17.5%6.37%
6 Freedom Mortgage B 650259 6.5%6.13%
7 Navy Federal Credit Union D 613256 23.5%7.44%
8 Mortgage Research Center C 602255 21.8%6.25%
9 Palmetto Citizens Federal Credit Union B 498310 23.3%6.50%
10 Bank of America F 387176 32.6%6.00%
11 Pennymac Loan Services C 384172 10.9%6.25%
12 Ameris Bank B 362273 7.2%6.25%
13 Newrez D 351118 22.2%6.13%
14 Dhi Mortgage Company B 315196 25.1%5.38%
15 Broker Solutions D 305143 6.6%6.75%
16 First Heritage Mortgage A 299250 2.7%6.25%
17 Resource Financial Services B 291215 1.4%6.38%
18 S. C. State Federal Credit Union A 266171 25.9%4.50%
19 Crosscountry Mortgage B 251159 4.4%6.63%
20 Allsouth Federal Credit Union F 247125 22.7%—
21 Loandepot.Com D 246115 35.4%6.63%
22 Kiavi Funding D 240126 7.1%9.50%
23 New Day Financial F 21131 30.8%6.99%
24 Truist Bank C 20884 42.8%6.70%
25 CMG Mortgage A 192134 6.8%6.50%

Best approval odds in Richland County

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

#LenderDecidedDecision denial rate
1Resource Financial Services2191.8%
2First Reliance Bank1262.4%
3Movement Mortgage1673.0%
4Assurance Financial Group663.0%
5First Heritage Mortgage2623.1%
6First Palmetto Bank1293.9%
7First Community Bank895.6%
8JPMorgan Chase Bank1375.8%
9Crosscountry Mortgage1736.4%
10Guild Mortgage7616.4%

What Richland County borrowers applied for

By loan purpose

Home purchase 9,387 50% · 11.0% denied
Refinance 3,274 18% · 15.9% denied
Cash-out refinance 3,285 18% · 25.0% denied
Home improvement 1,109 6% · 31.1% denied
Other / HELOC 1,567 8% · 30.0% denied

By loan type

Conventional 10,615 57% · 18.8% denied
FHA 3,409 18% · 17.9% denied
VA 4,570 25% · 12.6% denied
USDA / RHS 28 0% · 21.4% denied

Why applications were denied

Credit history 963 31%
Debt-to-income ratio 880 28%
Collateral 395 13%
Incomplete application 364 12%
Other 245 8%
Unverifiable information 162 5%
Insufficient cash 92 3%
Employment history 27 1%

Richland County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202315,7838,59219.6%6.75%$185,000
202416,9399,49518.6%6.63%$205,000
202518,62210,40217.1%6.49%$215,000

Frequently asked questions

17.1% of applications in Richland County were denied in 2025, against 18.3% statewide in South Carolina.

Guild Mortgage, with 921 applications in 2025 and a denial rate of 5.3%.

The median mortgage application in Richland County in 2025 was for $215,000; the median property value on originated loans was $285,000.