Mortgage Lenders and Brokers in Cheraw, South Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cheraw, South Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust232 Market St, Cheraw, SC 29520A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank901 Chesterfield Hwy, Cheraw, SC 29520A+5.0 ★Texas Ratio: 1.94%, Founders Federal Credit UnionFounders Federal Credit Union2599 Highway 9, Cheraw, SC 29520A+5.0 ★Texas Ratio: 3.58%, Wells Fargo Bank NAWells Fargo Bank NA1797 Whiskey Rd, Aiken, SC 29803A+5.0 ★Texas Ratio: 5.36%, United Community BankUnited Community Bank815 N Main St, Anderson, SC 29621A+5.0 ★Texas Ratio: 2.97%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA481 Fabian Dr, Aiken, SC 29803A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank677 King Street, Charleston, SC 29403A+5.0 ★Texas Ratio: 3.66%, Movement Mortgage, LLCMovement Mortgage, LLC9726 Old Bailes Rd, Fort Mill, SC 29707, First Federal BankFirst Federal Bank36 Sea Island Pkwy, Beaufort, SC 29907A+5.0 ★Texas Ratio: 1.10%, and SAFE Federal Credit UnionSAFE Federal Credit Union596 Sumter Hwy, Bishopville, SC 29010A+5.0 ★Texas Ratio: 3.64%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cheraw, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cheraw are listed first, then lenders elsewhere in South Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cheraw, South Carolina
Market share is the lender's share of all home loans closed in Cheraw, South Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Cheraw 232 Market St, Cheraw, SC 29520 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 11 +4 HELOCs |
8.9% | 78.6% | $99,545 | View |
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1 office in Cheraw 901 Chesterfield Hwy, Cheraw, SC 29520 A+5.0 ★Texas Ratio: 1.94% |
Conventional, USDA, HELOC | 2 +1 HELOCs |
1.6% | 100% | $210,000 | View |
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2599 Highway 9, Cheraw, SC 29520 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 21 +2 HELOCs |
17.1% | 74.2% | $131,190 | View |
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1797 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 1.6% | 100% | $320,000 | View |
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815 N Main St, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA | 2 | 1.6% | 100% | $95,000 | View |
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481 Fabian Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
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677 King Street, Charleston, SC 29403 A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.8% | 100% | $155,000 | View |
Movement Mortgage, LLC
9726 Old Bailes Rd, Fort Mill, SC 29707 |
Conventional | 1 | 0.8% | 100% | $125,000 | |
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36 Sea Island Pkwy, Beaufort, SC 29907 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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596 Sumter Hwy, Bishopville, SC 29010 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
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407 Silver Bluff Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 0.38% |
USDA | 1 | 0.8% | 100% | $115,000 | View |
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317 Meeting St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.8% | 100% | $95,000 | View |
ArborOne ACA
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Conventional | 1 | 0.8% | 100% | $535,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 13 | 10.6% | 92.9% | $141,923 | |
Rocket Mortgage
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Conventional, FHA, VA | 10 | 8.1% | 76.9% | $111,000 | |
CrossCountry Mortgage, LLC
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FHA, VA, USDA | 6 | 4.9% | 100% | $270,000 | |
Mortgage Research Center
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VA | 6 | 4.9% | 66.7% | $223,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 4.9% | 100% | $145,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 3.3% | 57.1% | $130,000 | |
21St Mortgage
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Conventional | 4 | 3.3% | 44.4% | $100,000 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 3 +1 HELOCs |
2.4% | 75% | $218,333 | |
State Employees' Credit Union
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Conventional | 3 | 2.4% | 75% | $221,666 | |
ALCOVA Mortgage, LLC
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Conventional, USDA | 2 | 1.6% | 100% | $480,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.6% | 75% | $90,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 1.6% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.8% | 100% | $105,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.8% | 50% | $365,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.8% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.8% | 50% | $215,000 | |
Milend, Inc
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FHA | 1 | 0.8% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $245,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.8% | 100% | $175,000 | |
New American Funding, LLC.
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FHA | 1 | 0.8% | 50% | $255,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.8% | 100% | $55,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.8% | 100% | $25,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.8% | 100% | $155,000 | View |
Cheraw Mortgage Rate Trends
Daily average mortgage rates for South Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cheraw, South Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Cheraw? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cheraw in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cheraw, SC
Use these to narrow the list above. Each category shows how many Cheraw, SC lenders fit and what that kind of lender is usually best for.
Who Lends in Cheraw, SC
Independent mortgage companies closed 57.7 percent of home loans in Cheraw, South Carolina in 2025, banks 20.3 percent and credit unions 22 percent. Movement Mortgage, LLC was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and Founders Federal Credit Union the largest credit union. Among lenders headquartered in South Carolina, Founders Federal Credit Union led with 21 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in South Carolina. Deed recording fee of $1.85 per $500 of price ($1.30 state plus $0.55 county, 0.37 percent total), paid by the seller; no mortgage recording tax.
More South Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cheraw, SC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Cheraw, South Carolina with 11 loans, about 8.9 percent of the market. The largest lender headquartered in South Carolina was Founders Federal Credit Union with 21 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Cheraw, South Carolina in 2025, led by Guild Mortgage Company with 4. 7 lenders closed VA loans, led by Mortgage Research Center, and 6 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 12 banks and 4 credit unions closed home loans in Cheraw, South Carolina in 2025, alongside 25 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cheraw, South Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cheraw, South Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cheraw. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
