☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / South Carolina / Ridgeland

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Ridgeland, South Carolina

Content reviewed by

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

Ridgeland, South Carolina mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association10671 S Jacob Smart Blvd, Ridgeland, SC 29936A+5.0 ★Texas Ratio: 2.27%, Bank of the LowcountryBank of the Lowcountry8058 E Main St, Ridgeland, SC 29936A+5.0 ★Texas Ratio: 1.55%, Regions BankRegions Bank11004 N Jacob Smart Blvd, Ridgeland, SC 29936A+5.0 ★Texas Ratio: 4.37%, Movement Mortgage, LLCMovement Mortgage, LLC9726 Old Bailes Rd, Fort Mill, SC 29707, TD BankTD Bank142 Chesterfield St, Aiken, SC 29801A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA481 Fabian Dr, Aiken, SC 29803A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1797 Whiskey Rd, Aiken, SC 29803A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA150 Aiken Mall Dr, Aiken, SC 29803A+5.0 ★Texas Ratio: 4.14%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust201 N Main St, Abbeville, SC 29620A5.0 ★Texas Ratio: 7.72%, and Ameris BankAmeris Bank2348 Boundary St, Beaufort, SC 29902A+5.0 ★Texas Ratio: 1.82%. 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 Ridgeland, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgeland 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 Ridgeland, South Carolina

Market share is the lender's share of all home loans closed in Ridgeland, 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
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Ridgeland 10671 S Jacob Smart Blvd, Ridgeland, SC 29936 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, Jumbo, HELOC	20 +6 HELOCs	2%	87%	$719,000	View
Bank of the Lowcountry 1 office in Ridgeland 8058 E Main St, Ridgeland, SC 29936 A+5.0 ★Texas Ratio: 1.55%	Conventional, Jumbo	8	0.8%	88.9%	$582,500	View
Regions Bank 1 office in Ridgeland 11004 N Jacob Smart Blvd, Ridgeland, SC 29936 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	4 +5 HELOCs	0.4%	57.1%	$137,500	View
Movement Mortgage, LLC 9726 Old Bailes Rd, Fort Mill, SC 29707	Conventional, FHA, VA, Jumbo, HELOC	23 +4 HELOCs	2.3%	95.8%	$358,913
TD Bank 142 Chesterfield St, Aiken, SC 29801 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	13 +5 HELOCs	1.3%	92.9%	$798,076	View
JPMorgan Chase Bank, NA 481 Fabian Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	6 +1 HELOCs	0.6%	85.7%	$520,000	View
Wells Fargo Bank NA 1797 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	6	0.6%	85.7%	$491,666	View
Bank of America NA 150 Aiken Mall Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	5 +9 HELOCs	0.5%	100%	$477,000	View
First Ciitizens Bank and Trust 201 N Main St, Abbeville, SC 29620 A5.0 ★Texas Ratio: 7.72%	Conventional, VA, Jumbo, HELOC	5 +8 HELOCs	0.5%	83.3%	$539,000	View
Ameris Bank ★ 4 stars, 1 review 2348 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA, USDA, HELOC	5 +1 HELOCs	0.5%	100%	$487,000	View
South Atlantic Bank 37 Robert Smalls Pkwy, Beaufort, SC 29906 A+5.0 ★Texas Ratio: 0.08%	Conventional	4	0.4%	100%	$310,000	View
Truist Bank ★ 1 stars, 1 review 4007 Clemson Blvd, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	3 +4 HELOCs	0.3%	100%	$751,666	View
Coastal States Bank 1029 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 4.83%	Conventional, Jumbo	3	0.3%	100%	$688,333	View
Rev Federal Credit Union 22 Westedge St, Charleston, SC 29403	Conventional	2	0.2%	100%	$355,000
Palmetto State Bank 230 Main St N, Allendale, SC 29810 A+5.0 ★Texas Ratio: 0.33%	Conventional, Jumbo	2	0.2%	100%	$1,000,000	View
CPM Federal Credit Union 3481 Trask Pkwy, Beaufort, SC 29906 A5.0 ★Texas Ratio: 12.83%	Conventional, HELOC	1 +13 HELOCs	0.1%	50%	$105,000	View
United Community Bank 815 N Main St, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$335,000	View
Fifth Third Bank, National Association 351 A Robert Smalls Parkway, Beaufort, SC 29906 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$155,000	View
First Capital Bank 304 Meeting St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 0.91%	Conventional	1	0.1%	100%	$605,000	View
First Reliance Bank 1901 Main St, Columbia, SC 29201 A+5.0 ★Texas Ratio: 0.55%	Conventional	1	0.1%	100%	$165,000	View
AllSouth Federal Credit Union 244 W Columbia Ave, Batesburg, SC 29006 2125 A+5.0 ★Texas Ratio: 1.08%	Conventional	1	0.1%	100%	$305,000	View
First National Bank of PA 317 Meeting St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0.1%	50%	$1,265,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 100 Calhoun St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
SC State Credit Union 190 Beaufort St NE, Aiken, SC 29801 4401	HELOC	0 +3 HELOCs	0%	n/a
Southern First Bank 190 Knox Abbott Dr, Cayce, SC 29033 A+5.0 ★Texas Ratio: 3.08%	HELOC	0 +1 HELOCs	0%	n/a		View
Pinnacle Bank 200 E Church St, Bishopville, SC 29010 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Resource Financial Services, Inc. B+4.7 ★Texas Ratio: 18.28%	Conventional, VA	2	0.2%	100%	$240,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$545,000
South Carolina Federal Credit	Conventional	1	0.1%	50%	$25,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$645,000
Palmetto Citizens Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	155	15.4%	81.7%	$371,645
Pulte Mortgage LLC	Conventional, FHA, VA, Jumbo	140	13.9%	94%	$335,285
Toll Brothers Mortgage Company	Conventional, FHA, VA	68	6.8%	95.6%	$435,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	60 +1 HELOCs	6%	84.7%	$311,833
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	53	5.3%	42%	$263,490
Jet HomeLoans, LP	Conventional, FHA, VA	33	3.3%	100%	$400,757
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	26 +2 HELOCs	2.6%	87.9%	$426,923
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, Jumbo	21	2.1%	100%	$437,380	View
Mortgage Research Center	Conventional, FHA, VA	20	2%	80%	$312,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	18 +6 HELOCs	1.8%	81.8%	$375,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, VA	17	1.7%	89.5%	$469,117	View
Freedom Mortgage Corporation	FHA, VA	15	1.5%	93.8%	$425,666
First Heritage Mortgage, LLC	Conventional, FHA	15	1.5%	88.2%	$419,666
Guild Mortgage Company	Conventional, FHA, VA	11	1.1%	100%	$339,545
Newrez LLC	Conventional, FHA	10	1%	58.8%	$357,000
Triad Financial Services, Inc.	Conventional	10	1%	60.8%	$54,000
Pennymac Loan Services LLC	Conventional, FHA, VA	9	0.9%	90%	$245,000
T2 Financial LLC	Conventional, FHA	9	0.9%	100%	$308,333
Village Capital & Investment	FHA, VA, Jumbo	9	0.9%	100%	$510,555
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	6	0.6%	85.7%	$306,666	View
EMM Loans LLC	Conventional, FHA	5	0.5%	100%	$449,000
Nationstar Mortgage	Conventional, FHA	5	0.5%	100%	$293,000
Mutual of Omaha Mortgage	Conventional, FHA, VA, Jumbo	5	0.5%	75%	$589,000
21St Mortgage	Conventional	5	0.5%	29.4%	$75,000
Amerisave Mortgage Company	Conventional	4	0.4%	33.3%	$80,000
Intercoastal Mortgage, LLC	Conventional, VA	4	0.4%	100%	$335,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.4%	100%	$377,500	View
Southwest Stage Funding LLC	Conventional, FHA	4	0.4%	50%	$230,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	4	0.4%	62.5%	$260,000
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.4%	100%	$555,000
CrossCountry Mortgage, LLC	Conventional, VA, HELOC	3 +1 HELOCs	0.3%	100%	$478,333
American Financial Resources LLC	FHA, VA	3	0.3%	80%	$275,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, Jumbo	3	0.3%	75%	$628,333	View
Lakeview Loan Servicing, LLC	Conventional	3	0.3%	33.3%	$408,333
loanDepot.com LLC	Conventional, VA	3	0.3%	60%	$241,666
Cmg Mortgage Inc	Conventional, FHA	3	0.3%	100%	$328,333
Discover Bank	Conventional	3	0.3%	75%	$75,000
Union Home Mortgage Corp.	Conventional, FHA, Jumbo	3	0.3%	100%	$651,666
BoxCar Mortgage, LLC	Conventional, FHA, VA	3	0.3%	100%	$388,333
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.3%	100%	$648,333	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	3	0.3%	75%	$225,000	View
Reliance First Capital, LLC	Conventional, FHA	3	0.3%	100%	$178,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.3%	100%	$318,333	View
Ark-La-Tex Financial Services LLC	VA	3	0.3%	100%	$368,333
Spring Eq, LLC	Conventional, HELOC	2 +3 HELOCs	0.2%	30%	$75,000
Synovus Bank	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.2%	100%	$880,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$695,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	2	0.2%	100%	$525,000	View
Guaranteed Rate, Inc.	Conventional	2	0.2%	100%	$520,000
Everett Financial, Inc.	Conventional, FHA	2	0.2%	100%	$185,000
Equity Prime Mortgage LLC	FHA, VA	2	0.2%	100%	$275,000
Norwich Commercial Group Inc	FHA, VA	2	0.2%	100%	$530,000
Capital City Home Loans, LLC	Conventional, Jumbo	2	0.2%	100%	$1,020,000
American Financial Network, Inc.	Conventional, FHA	2	0.2%	100%	$280,000
New Day Financial, LLC.	VA	2	0.2%	33.3%	$305,000
Atlantic Bay Mortgage Group	Conventional	2	0.2%	100%	$350,000
Integrity Home Mortgage Corporation	Conventional, VA	2	0.2%	100%	$425,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	2	0.2%	100%	$255,000	View
New American Funding, LLC.	Conventional	2	0.2%	66.7%	$245,000
Fairway Independent Mort Corp	Conventional, FHA	2	0.2%	100%	$180,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$625,000	View
First American Bank A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$425,000	View
The Loan Store, Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$335,000
Members 1St FCU	Conventional	1	0.1%	100%	$325,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$205,000	View
Cazle Mortgage, Inc.	Conventional	1	0.1%	100%	$465,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$205,000	View
Guaranteed Rate Affinity, LLC	VA	1	0.1%	100%	$365,000
Zippy Loans, LLC	Conventional	1	0.1%	100%	$75,000
North Shore Bank of Commerce A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0.1%	100%	$655,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$785,000	View
Fulton Bank, National Association A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo	1	0.1%	100%	$1,545,000	View
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$385,000	View
First Bank A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0.1%	100%	$805,000	View
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Kind Lending, LLC	FHA	1	0.1%	50%	$265,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$385,000	View
PHH Mortgage Corporation	VA	1	0.1%	100%	$605,000
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$615,000	View
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$345,000	View
Resicentral LLC	VA	1	0.1%	100%	$605,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$405,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	50%	$1,505,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo	1	0.1%	50%	$1,135,000	View
Absolute Home Mortgage	VA	1	0.1%	100%	$235,000
Lennar Mortgage, LLC	Conventional	1	0.1%	100%	$435,000
Nation One Mortgage Corporatio	FHA	1	0.1%	100%	$415,000
Network Capital Funding Corporation	Conventional	1	0.1%	100%	$245,000
Schumacher Mortgage LLC	Conventional	1	0.1%	100%	$705,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$105,000
Nfm, Inc	Conventional	1	0.1%	100%	$505,000
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$315,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$435,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$385,000
Provident Funding Associates	Conventional	1	0.1%	100%	$265,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	100%	$175,000
Direct Mortgage Loans, LLC	FHA	1	0.1%	100%	$605,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	50%	$335,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$365,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$105,000	View
Rapid Mortgage Company	Conventional	1	0.1%	100%	$125,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$595,000	View
The Northern Trust Co A4.7 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$345,000	View
Saygo Home Loans, LLC	Conventional	1	0.1%	100%	$285,000
Better Mortgage Corporation	Conventional	1	0.1%	50%	$55,000
Queensborough National Bank and Trust A+5.0 ★Texas Ratio: 4.52%	Conventional	1	0.1%	100%	$305,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$385,000
Nations Direct Mortgage, LLC	VA	1	0.1%	100%	$585,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$305,000
Republic Bank & Trust A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0.1%	100%	$365,000	View
Mld Mortgage, Inc.Dba the Money Store	FHA	1	0.1%	100%	$415,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$705,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$505,000	View
Paramount Residential Mortgage	VA	1	0.1%	100%	$355,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$285,000
Texana Bank	VA	1	0.1%	100%	$405,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$105,000
The Mortgage Link, Inc.	Conventional	1	0.1%	100%	$285,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0.1%	50%	$985,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$335,000
Tammac Holdings Corporation	Conventional	1	0.1%	15.8%	$195,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +3 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
Northrop Grumman Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Ridgeland 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 Ridgeland, South Carolina

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

Types of Mortgage Lenders in Ridgeland, SC

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

Mortgage companies and brokers 90 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 41 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 28 lenders. Loans above the conforming limit for higher priced homes Local lenders based in SC 18 lenders headquartered in South Carolina, the closest thing to a mortgage lender near you

Who Lends in Ridgeland, SC

Independent mortgage companies closed 81.7 percent of home loans in Ridgeland, South Carolina in 2025, banks 15.8 percent and credit unions 2.5 percent. Movement Mortgage, LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Rev Federal Credit Union the largest credit union. Among lenders headquartered in South Carolina, Bank of the Lowcountry led with 8 loans.

81.7%

Mortgage companies

15.8%

Banks

2.5%

Credit unions

14%

FHA loans

23%

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 Ridgeland, SC

Who is the largest mortgage lender in Ridgeland, SC?

By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Ridgeland, South Carolina with 20 loans, about 2 percent of the market. The largest lender headquartered in South Carolina was Bank of the Lowcountry with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Ridgeland, SC have the highest approval rates?

Among lenders with meaningful volume in Ridgeland, South Carolina, Toll Brothers Mortgage Company approved the highest share of completed applications in 2025 at 95.6 percent, against a 79.2 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 Ridgeland, SC mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in Ridgeland, South Carolina in 2025, led by DHI Mortgage Company, LTD. with 41. 41 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 2 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.

Are credit unions and local banks included in this Ridgeland, SC lender list?

Yes. 56 banks and 16 credit unions closed home loans in Ridgeland, South Carolina in 2025, alongside 90 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 Ridgeland, SC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Ridgeland, 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 Ridgeland, 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 Ridgeland. 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.