Largest lenders in Saluda County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 35 | 8 | 34.3% | 10.67% |
| 2 | 21st Mortgage | F | 31 | 8 | 51.6% | 10.80% |
| 3 | Rocket Mortgage | C | 29 | 21 | 13.8% | 6.49% |
| 4 | First-Citizens Bank & Trust | B | 28 | 18 | 28.6% | 6.19% |
| 5 | Guild Mortgage | A | 28 | 23 | 0.0% | 6.63% |
| 6 | Truist Bank | C | 17 | 7 | 52.9% | 7.90% |
| 7 | SouthState Bank | B | 16 | 7 | 37.5% | 7.15% |
| 8 | Crosscountry Mortgage | B | 16 | 11 | 6.3% | 6.63% |
| 9 | United Shore Financial Services | B | 16 | 10 | 0.0% | 6.50% |
| 10 | Allsouth Federal Credit Union | F | 14 | 8 | 21.4% | — |
| 11 | Mortgage Research Center | C | 14 | 6 | 14.3% | 6.56% |
| 12 | Broker Solutions | D | 11 | 1 | 0.0% | 7.25% |
| 13 | Loandepot.Com | D | 11 | 6 | 27.3% | 7.12% |
| 14 | Tammac Holdings | D | 9 | 0 | 77.8% | — |
| 15 | First Community Bank | B | 9 | 7 | 0.0% | 6.75% |
| 16 | Palmetto Citizens Federal Credit Union | B | 8 | 6 | 0.0% | 6.12% |
| 17 | Pennymac Loan Services | C | 7 | 3 | 0.0% | 5.99% |
| 18 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 5.63% |
| 19 | Carrington Mortgage Services | D | 7 | 1 | 57.1% | 6.63% |
| 20 | Freedom Mortgage | B | 7 | 3 | 0.0% | 5.75% |
| 21 | Ameris Bank | B | 6 | 4 | 0.0% | 7.00% |
| 22 | AgFirst Farm Credit Bank | C | 5 | 3 | 40.0% | 6.50% |
| 23 | JPMorgan Chase Bank | B | 5 | 2 | 0.0% | 6.06% |
| 24 | Lower | C | 5 | 3 | 0.0% | 6.63% |
| 25 | Nationstar Mortgage | C | 5 | 2 | 20.0% | 7.25% |
What Saluda County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Saluda County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 421 | 201 | 26.8% | 7.00% | $125,000 |
| 2024 | 464 | 226 | 28.0% | 7.13% | $155,000 |
| 2025 | 523 | 267 | 22.4% | 6.63% | $175,000 |
Frequently asked questions
22.4% of applications in Saluda County were denied in 2025, against 18.3% statewide in South Carolina.
Vanderbilt Mortgage and Finance, with 35 applications in 2025 and a denial rate of 34.3%.
The median mortgage application in Saluda County in 2025 was for $175,000; the median property value on originated loans was $345,000.