Mortgage Lenders and Brokers in Elgin, 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
Elgin, South Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2464 Main St, Elgin, SC 29045A5.0 ★Texas Ratio: 7.72%, First Palmetto BankFirst Palmetto Bank10540 Two Notch Rd, Elgin, SC 29045A+5.0 ★Texas Ratio: 1.16%, Movement Mortgage, LLCMovement Mortgage, LLC9726 Old Bailes Rd, Fort Mill, SC 29707, Mid Carolina Credit UnionMid Carolina Credit Union2480 Main St, Elgin, SC 29045A+5.0 ★Texas Ratio: 3.03%, AllSouth Federal Credit UnionAllSouth Federal Credit Union244 W Columbia Ave, Batesburg, SC 29006 2125A+5.0 ★Texas Ratio: 1.08%, SAFE Federal Credit UnionSAFE Federal Credit Union596 Sumter Hwy, Bishopville, SC 29010A+5.0 ★Texas Ratio: 3.64%, Founders Federal Credit UnionFounders Federal Credit Union3960 Bible Church Rd, Boiling Springs, SC 29316 8562A+5.0 ★Texas Ratio: 3.58%, Ameris BankAmeris Bank2348 Boundary St, Beaufort, SC 29902A+5.0 ★Texas Ratio: 1.82%, Southstate Bank, National AssociationSouthstate Bank, National Association203 S Main St, Abbeville, SC 29620A+5.0 ★Texas Ratio: 2.27%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA481 Fabian Dr, Aiken, SC 29803A+5.0 ★Texas Ratio: 3.68%. 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 Elgin, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elgin 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 Elgin, South Carolina
Market share is the lender's share of all home loans closed in Elgin, 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 Elgin 2464 Main St, Elgin, SC 29045 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 6 +11 HELOCs |
2.2% | 75% | $153,333 | View |
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1 office in Elgin 10540 Two Notch Rd, Elgin, SC 29045 A+5.0 ★Texas Ratio: 1.16% |
Conventional, VA, USDA | 4 | 1.5% | 100% | $240,000 | View |
Movement Mortgage, LLC
9726 Old Bailes Rd, Fort Mill, SC 29707 |
FHA, VA | 6 | 2.2% | 87.5% | $358,333 | |
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2480 Main St, Elgin, SC 29045 A+5.0 ★Texas Ratio: 3.03% |
Conventional, HELOC | 4 +6 HELOCs |
1.5% | 100% | $325,000 | View |
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244 W Columbia Ave, Batesburg, SC 29006 2125 A+5.0 ★Texas Ratio: 1.08% |
Conventional | 4 | 1.5% | 80% | $87,500 | View |
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596 Sumter Hwy, Bishopville, SC 29010 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 2 | 0.7% | 50% | $315,000 | View |
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3960 Bible Church Rd, Boiling Springs, SC 29316 8562 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 2 | 0.7% | 50% | $110,000 | View |
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★ 4 stars, 1 review 2348 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.7% | 100% | $525,000 | View |
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★ 5 stars, 1 review 203 S Main St, Abbeville, SC 29620 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $175,000 | View |
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481 Fabian Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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1720 N Main St, Anderson, SC 29621 A5.0 ★Texas Ratio: 8.40% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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1797 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $205,000 | View |
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1901 Main St, Columbia, SC 29201 A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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★ 1 stars, 1 review 4007 Clemson Blvd, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
SC State Credit Union
190 Beaufort St NE, Aiken, SC 29801 4401 |
HELOC | 0 +4 HELOCs |
0% | 0% | ||
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1799 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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150 Aiken Mall Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B+4.7 ★Texas Ratio: 18.28% |
Conventional, VA | 4 | 1.5% | 100% | $302,500 | View |
Palmetto Citizens Federal Cred
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Conventional, HELOC | 1 +9 HELOCs |
0.4% | 100% | $265,000 | |
South Carolina Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 22 | 8.2% | 76.7% | $190,454 | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 21 | 7.9% | 95.5% | $284,047 | |
Guild Mortgage Company
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Conventional, FHA, VA | 17 | 6.4% | 90.9% | $275,588 | |
Mortgage Research Center
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FHA, VA | 15 | 5.6% | 83.3% | $339,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
5.2% | 70% | $315,000 | |
Freedom Mortgage Corporation
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FHA, VA, Jumbo | 12 | 4.5% | 87.5% | $340,833 | |
Newrez LLC
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Conventional, VA, USDA | 8 | 3% | 88.9% | $262,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.6% | 63.6% | $227,857 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 2.6% | 77.8% | $89,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
2.2% | 100% | $241,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
2.2% | 40% | $181,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 2.2% | 85.7% | $278,333 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.9% | 100% | $301,000 | |
Lower, LLC
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Conventional, FHA, VA | 5 | 1.9% | 83.3% | $203,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA | 4 | 1.5% | 100% | $355,000 | View |
Plaza Home Mortgage, Inc
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FHA, VA | 4 | 1.5% | 100% | $220,000 | |
Carolina One Mortgage, LLC
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Conventional | 3 | 1.1% | 100% | $271,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 3 | 1.1% | 100% | $188,333 | |
Village Capital & Investment
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VA | 3 | 1.1% | 87.5% | $385,000 | |
American Financial Resources LLC
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VA, USDA | 2 | 0.7% | 100% | $280,000 | |
Goodleap, LLC
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Conventional, FHA | 2 | 0.7% | 66.7% | $260,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.7% | 100% | $420,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, VA | 2 | 0.7% | 100% | $365,000 | View |
Cmg Mortgage Inc
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Conventional, VA | 2 | 0.7% | 100% | $390,000 | |
ClearPath Lending
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VA | 2 | 0.7% | 100% | $285,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.7% | 66.7% | $120,000 | |
New Day Financial, LLC.
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VA | 2 | 0.7% | 40% | $375,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.7% | 66.7% | $530,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 2 | 0.7% | 100% | $370,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.7% | 100% | $290,000 | View |
Geneva Financial LLC
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FHA, VA | 2 | 0.7% | 100% | $365,000 | |
Carrington Mortgage Services LLC
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VA | 2 | 0.7% | 66.7% | $320,000 | |
Tidewater Mortgage Services, Inc
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VA | 1 | 0.4% | 100% | $325,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $55,000 | |
Guaranteed Rate, Inc.
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USDA | 1 | 0.4% | 100% | $305,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 100% | $315,000 | |
Acrisure Mortgage, LLC
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VA | 1 | 0.4% | 100% | $345,000 | |
Kind Lending, LLC
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VA | 1 | 0.4% | 100% | $245,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.4% | 100% | $345,000 | |
loanDepot.com LLC
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VA | 1 | 0.4% | 16.7% | $555,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
Directions Equity, LLC
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VA | 1 | 0.4% | 100% | $355,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $55,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.4% | 100% | $395,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Schumacher Mortgage LLC
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VA, Jumbo | 1 | 0.4% | 100% | $875,000 | |
Bay Equity LLC
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VA | 1 | 0.4% | 100% | $385,000 | |
Legend Lending Corporation
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $585,000 | View |
Texas Security Bank
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Direct Mortgage Loans, LLC
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VA | 1 | 0.4% | 100% | $365,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.4% | 100% | $305,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $435,000 | |
Veritas Funding, LLC
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VA | 1 | 0.4% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0.4% | 100% | $35,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.4% | 100% | $275,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $265,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 8.3% | $185,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Synovus Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elgin 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 Elgin, South Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Elgin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elgin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elgin, SC
Use these to narrow the list above. Each category shows how many Elgin, SC lenders fit and what that kind of lender is usually best for.
Who Lends in Elgin, SC
Independent mortgage companies closed 80.1 percent of home loans in Elgin, South Carolina in 2025, banks 12 percent and credit unions 7.9 percent. Movement Mortgage, LLC was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and Mid Carolina Credit Union the largest credit union. Among lenders headquartered in South Carolina, First Palmetto Bank led with 4 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 Elgin, SC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Elgin, South Carolina with 6 loans, about 2.2 percent of the market. The largest lender headquartered in South Carolina was First Palmetto Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Elgin, South Carolina in 2025, led by Rocket Mortgage with 7. 45 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 23 banks and 12 credit unions closed home loans in Elgin, South Carolina in 2025, alongside 54 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 Elgin, 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 Elgin, 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 Elgin. 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.
