Home purchase lenders in Richland County
6,159 home purchase mortgages were made in Richland County, South Carolina, in 2025, by 385 lenders. The median rate their borrowers got was 6.375% on a median loan of $245,000. Of 7,446 decisions, 1,028 were denials — 13.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 552 | 6.500% | $225,000 | 5.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 318 | 5.990% | $245,000 | 35.1% |
| Ameris Bank | 255 | 6.000% | $225,000 | 6.2% |
| First Heritage Mortgage, LLC | 239 | 6.125% | $275,000 | 3.2% |
| First-Citizens Bank & Trust Company | 217 | 5.625% | $205,000 | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 213 | 6.624% | $245,000 | 14.7% |
| Mortgage Research Center, LLC | 208 | 6.313% | $265,000 | 13.5% |
| RESOURCE FINANCIAL SERVICES, INC. | 207 | 6.375% | $245,000 | 1.4% |
| DHI MORTGAGE COMPANY, LTD. | 196 | 5.375% | $275,000 | 28.5% |
| Rocket Mortgage, LLC | 148 | 6.500% | $245,000 | 16.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 131 | 6.625% | $245,000 | 2.9% |
| PULTE MORTGAGE LLC | 124 | 5.375% | $325,000 | 16.7% |
| CMG MORTGAGE, INC. | 110 | 6.500% | $285,000 | 5.9% |
| First Reliance Bank | 110 | 6.625% | $285,000 | 2.7% |
| Integrity Home Mortgage Corporation | 109 | 6.625% | $285,000 | 7.6% |
| MOVEMENT MORTGAGE, LLC | 106 | 6.531% | $225,000 | 0.8% |
| Navy Federal Credit Union | 102 | 6.125% | $270,000 | 14.8% |
| JPMorgan Chase Bank, National Association | 100 | 6.375% | $205,000 | 3.8% |
| First Palmetto Bank | 99 | 6.624% | $255,000 | 2.0% |
| Broker Solutions, Inc. | 95 | 6.500% | $215,000 | 3.1% |
| NVR Mortgage Finance, Inc. | 91 | 6.125% | $265,000 | 24.2% |
| GUARANTEED RATE AFFINITY, LLC | 87 | 6.475% | $225,000 | 7.4% |
| LOWER, LLC | 77 | 6.250% | $215,000 | 12.4% |
| GUARANTEED RATE, INC. | 75 | 6.600% | $265,000 | 6.3% |
| SouthState Bank, National Association | 70 | 6.375% | $240,000 | 7.6% |
| Kiavi Funding, Inc. | 70 | 10.240% | $185,000 | 9.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 6.250% | $250,000 | 7.1% |
| FBC MORTGAGE, LLC | 70 | 5.490% | $320,000 | 6.7% |
| Bank of America, National Association | 64 | 5.625% | $235,000 | 11.1% |
| First Community Bank | 63 | 6.650% | $305,000 | 2.9% |
| Palmetto Citizens Federal Credit Union | 57 | 5.875% | $235,000 | 10.9% |
| Fairway Independent Mortgage Corporation | 54 | 6.375% | $210,000 | 10.0% |
| NEWREZ LLC | 48 | 6.245% | $255,000 | 2.0% |
| Assurance Financial Group, L.L.C. | 47 | 6.750% | $205,000 | 4.1% |
| LENNAR MORTGAGE, LLC | 47 | 6.125% | $215,000 | 11.3% |
| Synovus Bank | 41 | 6.250% | $225,000 | 10.9% |
| ALLSOUTH FEDERAL CREDIT UNION | 38 | Not published | $295,000 | 19.2% |
| 21st Mortgage Corporation | 37 | 10.850% | $65,000 | 68.1% |
| DELMAR FINANCIAL COMPANY | 36 | 6.313% | $255,000 | 0.0% |
| USAA Federal Savings Bank | 35 | 6.375% | $335,000 | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 35 | 6.750% | $235,000 | 0.0% |
| Loandepot.Com, LLC | 34 | 6.058% | $285,000 | 37.0% |
| Regions Bank | 33 | 5.875% | $235,000 | 13.3% |
| NATION ONE MORTGAGE CORPORATION | 30 | 6.750% | $275,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 28 | 6.625% | $220,000 | 0.0% |
| SAFE FEDERAL CREDIT UNION | 27 | 6.375% | $225,000 | 8.8% |
| ZILLOW HOME LOANS, LLC | 26 | 6.375% | $185,000 | 7.1% |
| FOUNDERS FEDERAL CREDIT UNION | 24 | 6.063% | $220,000 | 7.4% |
| Wells Fargo Bank, National Association | 22 | 6.625% | $200,000 | 20.7% |
| Truist Bank | 22 | 6.250% | $345,000 | 23.3% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.438% | $255,000 | 15.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 22 | 7.750% | $265,000 | 3.5% |
| PLAZA HOME MORTGAGE, INC. | 22 | 6.625% | $225,000 | 14.8% |
| Arthur State Bank | 22 | 7.500% | $405,000 | 0.0% |
| LENDINGONE, LLC | 20 | 9.740% | $155,000 | 25.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 20 | 6.563% | $175,000 | 8.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.625% | $275,000 | 34.5% |
| Equity Prime Mortgage LLC | 17 | 7.125% | $235,000 | 34.6% |
| Click n' Close, Inc. | 17 | 7.000% | $245,000 | 5.3% |
| American Security Mortgage Corp. | 17 | 6.250% | $385,000 | 0.0% |
| First National Bank of Pennsylvania | 16 | 6.250% | $425,000 | 0.0% |
| First Horizon Bank | 16 | 6.438% | $595,000 | 5.9% |
| PLANET HOME LENDING, LLC | 16 | 6.375% | $245,000 | 0.0% |
| TD Bank, National Association | 15 | 6.625% | $385,000 | 15.8% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 6.125% | $235,000 | 25.0% |
| KIND LENDING, LLC | 15 | 6.500% | $245,000 | 27.3% |
| First Federal Bank | 15 | 6.125% | $245,000 | 11.8% |
| Southern First Bank | 14 | 6.750% | $280,000 | 6.7% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 13 | 6.375% | $225,000 | 0.0% |
| Alcova Mortgage LLC | 12 | 6.250% | $200,000 | 12.5% |
| U.S. Bank National Association | 12 | 6.313% | $315,000 | 7.7% |
| LoanUnited.com, LLC | 12 | 6.250% | $275,000 | 14.3% |
| The Huntington National Bank | 12 | 6.875% | $310,000 | 7.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.933% | $375,000 | 14.3% |
| THE LOAN STORE, INC. | 11 | 6.625% | $235,000 | 8.3% |
| Gateway First Bank | 11 | 6.500% | $185,000 | 0.0% |
| Magnolia Bank, Incorporated | 11 | 6.375% | $305,000 | 0.0% |
| Renasant Bank | 10 | 6.125% | $235,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CAROLINA ONE MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 8.3% |
| United Community Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Carolina National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Security Federal Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| S. C. STATE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| STATE EMPLOYEES' | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Trustmark National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Queensborough National Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank Of Clarendon | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 894500CFQPXSLHK0OK52 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Conway National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID CAROLINA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 185 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.