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Mortgage Lenders and Brokers in Hilton Head Island, South Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Hilton Head Island, South Carolina mortgage lenders include TD BankTD Bank62 New Orleans Rd, Hilton Head Island, SC 29928A+5.0 ★Texas Ratio: 3.71%, Coastal States BankCoastal States Bank98 N Main St, Hilton Head Island, SC 29926A+5.0 ★Texas Ratio: 4.83%, Wells Fargo Bank NAWells Fargo Bank NAOne Greenwood Drvie, Hilton Head Island, SC 29928A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA21 Hatton Pl, Hilton Head Island, SC 29926A+5.0 ★Texas Ratio: 4.14%, Southstate Bank, National AssociationSouthstate Bank, National Association2 Palmetto Bay Rd, Hilton Head Island, SC 29928A+5.0 ★Texas Ratio: 2.27%, Truist BankTruist Bank1 Lafayette Pl, Hilton Head Island, SC 29926A+5.0 ★Texas Ratio: 2.87%, South Atlantic BankSouth Atlantic Bank5a Park Ln, Hilton Head Island, SC 29928A+5.0 ★Texas Ratio: 0.08%, Pinnacle BankPinnacle Bank1000 William Hilton Pkwy, Hilton Head Island, SC 29928A+5.0 ★Texas Ratio: 3.04%, Movement Mortgage, LLCMovement Mortgage, LLC9726 Old Bailes Rd, Fort Mill, SC 29707, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust201 N Main St, Abbeville, SC 29620A5.0 ★Texas Ratio: 7.72%. 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 Hilton Head Island, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hilton Head Island 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 Hilton Head Island, South Carolina

Market share is the lender's share of all home loans closed in Hilton Head Island, 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
TD Bank 2 offices in Hilton Head Island 62 New Orleans Rd, Hilton Head Island, SC 29928 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	37 +46 HELOCs	3.1%	86%	$1,110,405	View
Coastal States Bank 1 office in Hilton Head Island 98 N Main St, Hilton Head Island, SC 29926 A+5.0 ★Texas Ratio: 4.83%	Conventional, Jumbo	32	2.7%	100%	$739,687	View
Wells Fargo Bank NA 2 offices in Hilton Head Island One Greenwood Drvie, Hilton Head Island, SC 29928 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	30	2.5%	85.7%	$985,666	View
Bank of America NA 1 office in Hilton Head Island 21 Hatton Pl, Hilton Head Island, SC 29926 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	20 +26 HELOCs	1.7%	90.9%	$517,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Hilton Head Island 2 Palmetto Bay Rd, Hilton Head Island, SC 29928 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	19 +29 HELOCs	1.6%	79.2%	$543,947	View
Truist Bank ★ 1 stars, 1 review 2 offices in Hilton Head Island 1 Lafayette Pl, Hilton Head Island, SC 29926 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	12 +20 HELOCs	1%	92.3%	$1,251,666	View
South Atlantic Bank 1 office in Hilton Head Island 5a Park Ln, Hilton Head Island, SC 29928 A+5.0 ★Texas Ratio: 0.08%	Conventional, Jumbo	8	0.7%	100%	$978,750	View
Pinnacle Bank 2 offices in Hilton Head Island 1000 William Hilton Pkwy, Hilton Head Island, SC 29928 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	7 +3 HELOCs	0.6%	70%	$785,000	View
Movement Mortgage, LLC 9726 Old Bailes Rd, Fort Mill, SC 29707	Conventional, VA, Jumbo, HELOC	139 +2 HELOCs	11.7%	95.5%	$478,884
First Ciitizens Bank and Trust 201 N Main St, Abbeville, SC 29620 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	20 +29 HELOCs	1.7%	87%	$741,500	View
JPMorgan Chase Bank, NA 481 Fabian Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	13 +1 HELOCs	1.1%	68.4%	$961,923	View
Regions Bank 1799 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	6 +5 HELOCs	0.5%	77.8%	$790,000	View
Ameris Bank ★ 4 stars, 1 review 2348 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 1.82%	Conventional, Jumbo	6	0.5%	85.7%	$656,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 100 Calhoun St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	5 +15 HELOCs	0.4%	83.3%	$829,000	View
Fifth Third Bank, National Association 351 A Robert Smalls Parkway, Beaufort, SC 29906 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.3%	80%	$1,390,000	View
Huntington National Bank 677 King Street, Charleston, SC 29403 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	100%	$561,666	View
Founders Federal Credit Union 3960 Bible Church Rd, Boiling Springs, SC 29316 8562 A+5.0 ★Texas Ratio: 3.58%	Conventional, Jumbo	3	0.3%	100%	$481,666	View
The Bank of South Carolina 1730 Maybank Highway, Charleston, SC 29412 A+5.0 ★Texas Ratio: 1.79%	Conventional	2	0.2%	100%	$360,000	View
First Federal Bank 36 Sea Island Pkwy, Beaufort, SC 29907 A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.2%	100%	$460,000	View
First National Bank of PA 317 Meeting St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$555,000	View
United Bank Va 1201 Knox Abbott Dr, Cayce, SC 29033 A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo	1	0.1%	100%	$955,000	View
Southern First Bank 190 Knox Abbott Dr, Cayce, SC 29033 A+5.0 ★Texas Ratio: 3.08%	Conventional, Jumbo	1	0.1%	100%	$2,145,000	View
Palmetto State Bank 230 Main St N, Allendale, SC 29810 A+5.0 ★Texas Ratio: 0.33%	Conventional	1	0.1%	100%	$425,000	View
The Park National Bank 304 N Main St, Anderson, SC 29621 A5.0 ★Texas Ratio: 6.62%	Conventional	1	0.1%	100%	$155,000	View
CPM Federal Credit Union 3481 Trask Pkwy, Beaufort, SC 29906 A5.0 ★Texas Ratio: 12.83%	HELOC	0 +11 HELOCs	0%	0%		View
United Community Bank 815 N Main St, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +10 HELOCs	0%	0%		View
First Horizon Bank ★ 5 stars, 1 review 3090 Boiling Springs Rd, Boiling Springs, SC 29316 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
SC State Credit Union 190 Beaufort St NE, Aiken, SC 29801 4401	HELOC	0 +1 HELOCs	0%	n/a
Sage Home Loans Corporation	Conventional	5	0.4%	100%	$455,000
Palmetto Citizens Federal Cred	Conventional	1	0.1%	100%	$165,000
Sharonview Federal CU	HELOC	0 +2 HELOCs	0%	n/a
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, Jumbo	150	12.6%	98.7%	$593,066	View
Rocket Mortgage	Conventional, VA, Jumbo	62	5.2%	76.7%	$403,709
East Coast Capital Corp.	Conventional, Jumbo	59	4.9%	95.2%	$496,525
EMM Loans LLC	Conventional, FHA, VA	42	3.5%	100%	$383,095
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	32 +2 HELOCs	2.7%	87.2%	$869,687
Equity Resources Inc	Conventional, FHA	26	2.2%	92.9%	$315,000
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	20 +3 HELOCs	1.7%	100%	$673,500
T2 Financial LLC	Conventional, FHA, Jumbo	20	1.7%	95.5%	$551,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	15	1.3%	100%	$1,035,666	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	14 +6 HELOCs	1.2%	73.7%	$275,714
Newrez LLC	Conventional, FHA	14	1.2%	66.7%	$262,857
Fourleaf Federal Credit Union	Conventional, Jumbo, HELOC	13 +2 HELOCs	1.1%	100%	$915,000
loanDepot.com LLC	Conventional, FHA, Jumbo	12	1%	92.3%	$321,666
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	11	0.9%	100%	$382,272	View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	11	0.9%	92.3%	$424,090
Jet HomeLoans, LP	Conventional, FHA, VA	11	0.9%	100%	$599,545
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.8%	90.9%	$1,180,000	View
Mutual of Omaha Mortgage	Conventional, FHA, Jumbo	10	0.8%	83.3%	$676,000
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	9 +1 HELOCs	0.8%	83.3%	$583,888
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	9	0.8%	100%	$1,112,777	View
Capital City Home Loans, LLC	Conventional, Jumbo	8	0.7%	100%	$565,000
Fairway Independent Mort Corp	Conventional	8	0.7%	88.9%	$425,000
Vanderbilt Mortgage and Finance, Inc	Conventional	8	0.7%	35.5%	$196,250
Guild Mortgage Company	Conventional, FHA, Jumbo	7	0.6%	88.9%	$547,857
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	6	0.5%	85.7%	$1,188,333	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	6	0.5%	100%	$1,308,333	View
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.4%	71.4%	$493,000
Primelending	Conventional	5	0.4%	100%	$407,000
Synovus Bank	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.3%	100%	$867,500
The Loan Store, Inc	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$565,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, Jumbo	4	0.3%	100%	$1,162,500	View
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	4	0.3%	100%	$405,000
Kind Lending, LLC	Conventional	4	0.3%	100%	$500,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo	4	0.3%	100%	$1,472,500	View
Amerisave Mortgage Company	Conventional	4	0.3%	33.3%	$227,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	100%	$190,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$435,000	View
All Credit Considered Mortgage, Inc.	Conventional	3	0.3%	100%	$385,000
Dart Bank	Conventional	3	0.3%	100%	$415,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.3%	100%	$2,368,333	View
Discover Bank	Conventional	3	0.3%	50%	$128,333
Intercoastal Mortgage, LLC	Conventional, Jumbo	3	0.3%	100%	$615,000
New Day Financial, LLC.	VA	3	0.3%	60%	$188,333
Atlantic Bay Mortgage Group	Conventional, Jumbo	3	0.3%	100%	$1,381,666
Mortgage Research Center	VA	3	0.3%	75%	$495,000
New American Funding, LLC.	Conventional	3	0.3%	100%	$218,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	3	0.3%	100%	$985,000	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	3	0.3%	100%	$948,333	View
Cmg Mortgage Inc	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$240,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	2	0.2%	100%	$2,815,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	2	0.2%	100%	$1,085,000	View
American Financial Resources LLC	Conventional	2	0.2%	100%	$485,000
Envoy Mortgage, Ltd	Conventional	2	0.2%	100%	$700,000
Nbkc Bank	Conventional, FHA	2	0.2%	100%	$650,000
Equity Prime Mortgage LLC	FHA	2	0.2%	100%	$210,000
American Financial Network, Inc.	Conventional, Jumbo	2	0.2%	100%	$815,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	2	0.2%	100%	$435,000	View
New Wave Lending Group Inc	Conventional	2	0.2%	100%	$305,000
Schumacher Mortgage LLC	Conventional, Jumbo	2	0.2%	100%	$880,000
Linkbank	Conventional, Jumbo	2	0.2%	100%	$1,935,000
Delta Community Credit Union	Conventional	2	0.2%	100%	$685,000
Cardinal Financial Company, Li	Conventional	2	0.2%	100%	$455,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	2	0.2%	100%	$835,000	View
Hometown Equity Mortgage, LLC	Conventional	2	0.2%	100%	$600,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.2%	100%	$255,000	View
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	2	0.2%	100%	$2,005,000	View
Tomo Mortgage LLC	Conventional	2	0.2%	66.7%	$590,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +11 HELOCs	0.1%	50%	$2,215,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$275,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	50%	$155,000	View
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$645,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$355,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$635,000
Spring Eq, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	16.7%	$275,000
State Employees' Credit Union	Conventional	1	0.1%	100%	$535,000
Cnb Bank A5.0 ★Texas Ratio: 6.26%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
First American Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$545,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$3,525,000	View
Fundloans Capital	Conventional	1	0.1%	100%	$675,000
Atlantic Coast Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Educational Systems FCU	Conventional	1	0.1%	100%	$255,000
RANLife, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,495,000
SWBC Mortgage Corporation	Conventional	1	0.1%	100%	$375,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$295,000
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	14.3%	$765,000
First National Bank of Grayson	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Canopy Mortgage, LLC	VA	1	0.1%	100%	$485,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$785,000
Norwich Commercial Group Inc	FHA	1	0.1%	100%	$185,000
Howard Hanna Financial Services, Inc	Conventional	1	0.1%	100%	$395,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$805,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$405,000	View
Oaktree Funding Corp	Conventional, Jumbo	1	0.1%	100%	$1,125,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	50%	$625,000	View
Directions Equity, LLC	VA	1	0.1%	100%	$675,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	1	0.1%	50%	$1,435,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo	1	0.1%	100%	$1,085,000	View
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$465,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$545,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$755,000
Advisors Mortgage Group, LLC	Conventional	1	0.1%	100%	$395,000
Sun West Mortgage Company, Inc	Conventional	1	0.1%	100%	$295,000
Flexpoint, Inc.	VA	1	0.1%	100%	$155,000
Connexus Credit Union	Conventional	1	0.1%	50%	$55,000
ClearPath Lending	VA	1	0.1%	100%	$155,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Eastman Credit Union	Conventional	1	0.1%	100%	$355,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$795,000
Real Genius LLC	Conventional	1	0.1%	100%	$355,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$305,000
First Heritage Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,895,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	50%	$495,000
American Community Bank & Trust A5.0 ★Texas Ratio: 6.61%	Conventional	1	0.1%	100%	$755,000	View
Nfm, Inc	Conventional, Jumbo	1	0.1%	100%	$1,325,000
The Farmers Bank	Conventional	1	0.1%	100%	$155,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	50%	$765,000	View
Bank of Tennessee A+5.0 ★Texas Ratio: 4.09%	Conventional	1	0.1%	100%	$755,000	View
Thomasville National Bank	Conventional, Jumbo	1	0.1%	100%	$1,905,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$725,000	View
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	VA	1	0.1%	100%	$585,000	View
Boeing Employees' Credit Union	Conventional	1	0.1%	50%	$485,000
Embrace Home Loans, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,215,000
Harborone Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$785,000	View
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo	1	0.1%	100%	$2,165,000	View
Direct Mortgage Loans, LLC	Conventional, Jumbo	1	0.1%	100%	$1,625,000
Beacon Credit Union A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0.1%	100%	$515,000	View
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$345,000
Gardner Financial Services	Conventional	1	0.1%	100%	$315,000
Inspire Home Loans Inc.	Conventional, Jumbo	1	0.1%	100%	$1,025,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$525,000
Waterman Bank A5.0 ★Texas Ratio: 8.69%	Conventional	1	0.1%	100%	$495,000	View
Town Bank, N.A. A+5.0 ★Texas Ratio: 1.59%	Conventional, Jumbo	1	0.1%	100%	$2,165,000	View
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional, Jumbo	1	0.1%	100%	$1,825,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$545,000	View
Pinnacle Bank A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	1	0.1%	100%	$1,825,000	View
Smartbank A+5.0 ★Texas Ratio: 1.74%	Conventional	1	0.1%	100%	$645,000	View
Nationstar Mortgage	Conventional	1	0.1%	16.7%	$755,000
Corporate Investors Mortgage G	Conventional	1	0.1%	100%	$805,000
Bank of Oak Ridge A+5.0 ★Texas Ratio: 2.92%	Conventional	1	0.1%	100%	$505,000	View
First Federal S&L of Lakewood A+5.0 ★Texas Ratio: 4.66%	Conventional	1	0.1%	100%	$185,000	View
Bank Ozk	Conventional, Jumbo	1	0.1%	100%	$895,000
First Farmers and Commercial Bank	Conventional	1	0.1%	100%	$525,000
Acopia, LLC	Conventional, Jumbo	1	0.1%	100%	$1,065,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$205,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo	1	0.1%	100%	$1,295,000	View
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$205,000	View
Radius Financial Group Inc	Conventional	1	0.1%	100%	$675,000
Queensborough National Bank and Trust A+5.0 ★Texas Ratio: 4.52%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.1%	100%	$355,000	View
Acnb Bank A+5.0 ★Texas Ratio: 2.55%	Conventional, Jumbo	1	0.1%	100%	$1,495,000	View
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$365,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$305,000
Exchange Bank	Conventional	1	0.1%	100%	$165,000
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
RBC Bank (Georgia), N.A.	Conventional, Jumbo	1	0.1%	100%	$1,005,000
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$525,000
Southwest Stage Funding LLC	Conventional	1	0.1%	100%	$155,000
State Bank A+5.0 ★Texas Ratio: 0.93%	Conventional, Jumbo	1	0.1%	100%	$1,485,000	View
Thrivent Bank	Conventional	1	0.1%	100%	$45,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$345,000	View
21St Mortgage	Conventional	1	0.1%	40%	$55,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$615,000
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$155,000
Ipava State Bank A+5.0 ★Texas Ratio: 1.43%	Conventional	1	0.1%	100%	$215,000	View
Metro City Bank A+5.0 ★Texas Ratio: 3.17%	Conventional	1	0.1%	100%	$355,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$195,000	View
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$405,000
JMAC Lending, Inc.	VA	1	0.1%	100%	$515,000
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +4 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Baxter Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Chevron Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Truliant Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Purdue Federal Cu	HELOC	0 +1 HELOCs	0%	n/a
Stock Yards Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Canandaigua National Bank & Trust A5.0 ★Texas Ratio: 7.08%	HELOC	0 +1 HELOCs	0%	n/a		View
S&T Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Hilton Head Island Mortgage Rate Trends

Daily average mortgage rates for South Carolina compared with the national average, updated every evening.

30-Year Fixed SC Avg

7.434%

▲ 0.199 vs 7 days ago

15-Year Fixed SC Avg

6.750%

▲ 0.129 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Hilton Head Island, South Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Hilton Head Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hilton Head Island in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Hilton Head Island, SC

Use these to narrow the list above. Each category shows how many Hilton Head Island, SC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 97 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 16 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 24 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 80 lenders. Loans above the conforming limit for higher priced homes Local lenders based in SC 13 lenders headquartered in South Carolina, the closest thing to a mortgage lender near you

Who Lends in Hilton Head Island, SC

Independent mortgage companies closed 63.6 percent of home loans in Hilton Head Island, South Carolina in 2025, banks 33.1 percent and credit unions 3.4 percent. Movement Mortgage, LLC was the largest mortgage company, TD Bank the largest bank and Founders Federal Credit Union the largest credit union. Among lenders headquartered in South Carolina, Coastal States Bank led with 32 loans.

63.6%

Mortgage companies

33.1%

Banks

3.4%

Credit unions

FHA loans

VA 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

All South Carolina lenders 904 lenders Charleston 343 lenders Columbia 235 lenders North Charleston 255 lenders Summerville 230 lenders Goose Creek 219 lenders Greer 248 lenders Mount Pleasant 269 lenders Rock Hill 190 lenders Greenville 224 lenders Bluffton 235 lenders Carolina Forest 198 lenders Florence 162 lenders

Frequently Asked Questions About Mortgage Lenders in Hilton Head Island, SC

Who is the largest mortgage lender in Hilton Head Island, SC?

By home loans closed in 2025, TD Bank was the largest mortgage lender in Hilton Head Island, South Carolina with 37 loans, about 3.1 percent of the market. The largest lender headquartered in South Carolina was Coastal States Bank with 32 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Hilton Head Island, SC have the highest approval rates?

Among lenders with meaningful volume in Hilton Head Island, South Carolina, Northpoint Mortgage, Inc. approved the highest share of completed applications in 2025 at 98.7 percent, against a 88.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Hilton Head Island, SC mortgage lenders offer FHA, VA and USDA loans?

16 lenders closed FHA loans in Hilton Head Island, South Carolina in 2025, led by EMM Loans LLC with 3. 24 lenders closed VA loans, led by Rocket Mortgage. 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.

Are credit unions and local banks included in this Hilton Head Island, SC lender list?

Yes. 97 banks and 24 credit unions closed home loans in Hilton Head Island, South Carolina in 2025, alongside 96 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.

How are mortgage lenders in Hilton Head Island, SC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Hilton Head Island, 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 Hilton Head Island, 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 Hilton Head Island. 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.