South Carolina · HMDA 2025
Mortgage lenders in Richland County, SC
475 lenders reported 21,341 home-loan applications in Richland County in 2025. 10,402 closed as loans ($2.9B), 3,184 were denied — a 22.4% denial rate on decided applications, below the South Carolina rate of 23.4%. The three most active lenders handled 13% of applications, led by PENNYMAC LOAN SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 21,341
- Loans originated
- 10,402
- Purchase / refinance
- 6,160 / 2,953
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 957 | 4.5% | — |
| 2 | GUILD MORTGAGE COMPANY | 931 | 4.4% | — |
| 3 | Rocket Mortgage, LLC | 848 | 4.0% | — |
| 4 | FREEDOM MORTGAGE CORPORATION | 832 | 3.9% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 815 | 3.8% | — |
| 6 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 670 | 3.1% | 22.5% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 659 | 3.1% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 614 | 2.9% | 32.9% |
| 9 | NEWREZ LLC | 612 | 2.9% | — |
| 10 | Mortgage Research Center, LLC | 602 | 2.8% | — |
| 11 | Palmetto Citizens Federal Credit Union 80 out of 100, Strong | 498 | 2.3% | 25.7% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 429 | 2.0% | 14.1% |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 393 | 1.8% | 44.7% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 367 | 1.7% | — |
| 15 | Ameris Bank 67 out of 100, Moderate | 362 | 1.7% | 10.5% |
| 16 | DHI MORTGAGE COMPANY, LTD. | 315 | 1.5% | — |
| 17 | Broker Solutions, Inc. | 305 | 1.4% | — |
| 18 | First Heritage Mortgage, LLC | 299 | 1.4% | — |
| 19 | RESOURCE FINANCIAL SERVICES, INC. | 291 | 1.4% | — |
| 20 | VILLAGE CAPITAL & INVESTMENT LLC | 291 | 1.4% | — |
| 21 | S. C. STATE FEDERAL CREDIT UNION 91 out of 100, Very strong | 268 | 1.3% | 23.2% |
| 22 | PLANET HOME LENDING, LLC | 255 | 1.2% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 251 | 1.2% | — |
| 24 | Loandepot.Com, LLC | 249 | 1.2% | — |
| 25 | ALLSOUTH FEDERAL CREDIT UNION 93 out of 100, Very strong | 247 | 1.2% | 32.2% |
| 26 | Truist Bank 63 out of 100, Moderate | 246 | 1.2% | 40.8% |
| 27 | Kiavi Funding, Inc. | 240 | 1.1% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 234 | 1.1% | — |
| 29 | GUARANTEED RATE, INC. | 227 | 1.1% | — |
| 30 | NEW DAY FINANCIAL, LLC | 211 | 1.0% | — |
| 31 | CMG MORTGAGE, INC. | 199 | 0.9% | — |
| 32 | MOVEMENT MORTGAGE, LLC | 188 | 0.9% | — |
| 33 | SouthState Bank, National Association 68 out of 100, Moderate | 182 | 0.9% | 23.3% |
| 34 | 21st Mortgage Corporation | 176 | 0.8% | — |
| 35 | PULTE MORTGAGE LLC | 168 | 0.8% | — |
| 36 | Integrity Home Mortgage Corporation | 159 | 0.7% | — |
| 37 | GUARANTEED RATE AFFINITY, LLC | 156 | 0.7% | — |
| 38 | LOWER, LLC | 156 | 0.7% | — |
| 39 | AmeriSave Mortgage Corporation | 155 | 0.7% | — |
| 40 | First Palmetto Bank 71 out of 100, Strong | 152 | 0.7% | 5.4% |
Top 40 of 475 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in South Carolina
- Horry County 29,958 apps
- Greenville County 27,185 apps
- Charleston County 22,573 apps
- Spartanburg County 21,212 apps
- Berkeley County 18,456 apps
- Lexington County 16,956 apps
- York County 16,907 apps
- Beaufort County 13,025 apps
- Dorchester County 11,732 apps
- Anderson County 10,668 apps
- Aiken County 9,272 apps
- Lancaster County 6,974 apps