Refinancing lenders in Horry County
1,649 refinancing mortgages were made in Horry County, South Carolina, in 2025, by 291 lenders. The median rate their borrowers got was 6.125% on a median loan of $255,000. Of 2,299 decisions, 489 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 180 | 5.990% | $275,000 | 21.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 120 | 5.626% | $315,000 | 19.6% |
| FREEDOM MORTGAGE CORPORATION | 114 | 6.188% | $315,000 | 6.1% |
| The Conway National Bank | 110 | Not published | $120,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 68 | 5.875% | $285,000 | 8.8% |
| Anderson Brothers Bank | 52 | Not published | $180,000 | 7.0% |
| Truist Bank | 45 | 6.490% | $105,000 | 29.4% |
| NEWREZ LLC | 33 | 5.990% | $305,000 | 28.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 31 | 5.750% | $305,000 | 4.8% |
| Mortgage Research Center, LLC | 30 | 5.933% | $320,000 | 46.6% |
| NATIONSTAR MORTGAGE LLC | 26 | 5.875% | $285,000 | 20.6% |
| LAKEVIEW LOAN SERVICING, LLC | 25 | 6.250% | $305,000 | 40.8% |
| Bank of America, National Association | 25 | 5.990% | $105,000 | 39.0% |
| CAROLINA TRUST FEDERAL CREDIT UNION | 25 | 6.250% | $105,000 | 24.2% |
| South Atlantic Bank | 23 | Not published | $305,000 | 4.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.100% | $310,000 | 0.0% |
| First-Citizens Bank & Trust Company | 19 | 6.450% | $165,000 | 26.7% |
| TD Bank, National Association | 18 | 7.790% | $125,000 | 28.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $305,000 | 18.2% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.375% | $285,000 | 0.0% |
| PLANET HOME LENDING, LLC | 17 | 5.750% | $305,000 | 5.3% |
| Citizens Bank, National Association | 16 | 7.025% | $205,000 | 27.3% |
| STATE EMPLOYEES' | 15 | 5.700% | $155,000 | 40.0% |
| EQUITY RESOURCES, INC. | 15 | 6.875% | $265,000 | 16.7% |
| Loandepot.Com, LLC | 14 | 5.933% | $260,000 | 30.0% |
| SouthState Bank, National Association | 14 | 7.500% | $145,000 | 37.5% |
| MORTGAGE INVESTORS GROUP, INC. | 14 | 6.990% | $280,000 | 5.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 5.750% | $180,000 | 12.5% |
| LOWER, LLC | 13 | 6.500% | $215,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 12 | 6.188% | $440,000 | 26.3% |
| Navy Federal Credit Union | 12 | 5.688% | $325,000 | 20.0% |
| PNC Bank, National Association | 12 | 7.460% | $110,000 | 40.9% |
| CMG MORTGAGE, INC. | 12 | 7.000% | $215,000 | 7.7% |
| GUARANTEED RATE, INC. | 11 | 5.625% | $375,000 | 26.7% |
| CORNING CREDIT UNION | 11 | 5.890% | $165,000 | 17.7% |
| United Community Bank | 11 | 6.500% | $105,000 | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.188% | $175,000 | 23.1% |
| Alcova Mortgage LLC | 10 | 6.813% | $180,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| United Bank | 9 | Under 10 loans | Under 10 loans | 23.1% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Ameris Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ArborOne, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Carolina National Bank | 6 | Under 10 loans | Under 10 loans | 46.2% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 30.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 28.6% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 28.6% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Palmetto Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 83.3% |
| SOUTHERN TRUST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| S. C. STATE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 92.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Capital Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dedicated Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Palmetto Citizens Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carolina Bank & Trust Co. | 1 | 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 91 lenders each made 1 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.