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Mortgage Lenders and Brokers in Rock Hill, South Carolina

Content reviewed by

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

Rock Hill, South Carolina mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association222 E Main St, Rock Hill, SC 29730A+5.0 ★Texas Ratio: 2.27%, Family Trust Federal Credit UnionFamily Trust Federal Credit Union225 White St W, Rock Hill, SC 29730 4039A+5.0 ★Texas Ratio: 4.53%, Wells Fargo Bank NAWells Fargo Bank NA1709 Heckle Blvd, Rock Hill, SC 29732A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1165 Cherry Rd, Rock Hill, SC 29732A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA128 Herlong Ave S, Rock Hill, SC 29732A+5.0 ★Texas Ratio: 3.68%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust226 E Main St, Rock Hill, SC 29730A5.0 ★Texas Ratio: 7.72%, Arthur State BankArthur State Bank201 Herlong Ave S, Rock Hill, SC 29732A4.8 ★Texas Ratio: 6.72%, Truist BankTruist Bank2286 Dave Lyle Blvd, Rock Hill, SC 29730A+5.0 ★Texas Ratio: 2.87%, Bank of YorkBank of York280 Hands Mill Hwy, Rock Hill, SC 29732A+5.0 ★Texas Ratio: 2.14%, and PNC Bank N.A.PNC Bank N.A.1888 India Hook Rd, Rock Hill, SC 29732A+5.0 ★Texas Ratio: 4.24%. 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 Rock Hill, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rock Hill 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 Rock Hill, South Carolina

Market share is the lender's share of all home loans closed in Rock Hill, 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 2 offices in Rock Hill 222 E Main St, Rock Hill, SC 29730 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, VA, Jumbo, HELOC	34 +36 HELOCs	1.9%	85%	$334,705	View
Family Trust Federal Credit Union 225 White St W, Rock Hill, SC 29730 4039 A+5.0 ★Texas Ratio: 4.53%	Conventional	31	1.7%	88.6%	$149,193	View
Wells Fargo Bank NA 3 offices in Rock Hill 1709 Heckle Blvd, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 5.36%	Conventional	24	1.3%	80%	$211,666	View
Bank of America NA 3 offices in Rock Hill 1165 Cherry Rd, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	23 +29 HELOCs	1.3%	95.8%	$287,173	View
JPMorgan Chase Bank, NA 1 office in Rock Hill 128 Herlong Ave S, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	20 +1 HELOCs	1.1%	87%	$297,000	View
First Ciitizens Bank and Trust 2 offices in Rock Hill 226 E Main St, Rock Hill, SC 29730 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	17 +16 HELOCs	0.9%	64.3%	$301,470	View
Arthur State Bank 1 office in Rock Hill 201 Herlong Ave S, Rock Hill, SC 29732 A4.8 ★Texas Ratio: 6.72%	Conventional	8	0.4%	100%	$402,500	View
Truist Bank ★ 1 stars, 1 review 2 offices in Rock Hill 2286 Dave Lyle Blvd, Rock Hill, SC 29730 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	7 +20 HELOCs	0.4%	77.8%	$529,285	View
Bank of York 1 office in Rock Hill 280 Hands Mill Hwy, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 2.14%	Conventional	7	0.4%	100%	$177,857	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Rock Hill 1888 India Hook Rd, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	5 +17 HELOCs	0.3%	100%	$367,000	View
First Community Bank 1 office in Rock Hill 1746 Ebenezer Rd, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA	5	0.3%	71.4%	$317,000	View
TD Bank 1 office in Rock Hill 2609 Mills Park Dr, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 3.71%	Conventional, VA, HELOC	3 +5 HELOCs	0.2%	50%	$341,666	View
First Bank 1 office in Rock Hill 201 Oakland Ave, Rock Hill, SC 29730 A+5.0 ★Texas Ratio: 1.94%	HELOC	0 +1 HELOCs	0%	n/a		View
Founders Federal Credit Union 2760 Home Depot Blvd, Rock Hill, SC 29730 5946 A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	145 +53 HELOCs	8%	78.8%	$200,655	View
Movement Mortgage, LLC 9726 Old Bailes Rd, Fort Mill, SC 29707	Conventional, FHA, VA, USDA, Jumbo, HELOC	118 +7 HELOCs	6.5%	97.8%	$307,203
First Federal Bank 36 Sea Island Pkwy, Beaufort, SC 29907 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	47	2.6%	87%	$272,872	View
First National Bank of PA 317 Meeting St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 1.62%	Conventional, FHA, Jumbo, HELOC	39 +2 HELOCs	2.1%	72.2%	$192,948	View
Ameris Bank ★ 4 stars, 1 review 2348 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	11	0.6%	91.7%	$274,090	View
Regions Bank 1799 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	6 +1 HELOCs	0.3%	100%	$120,000	View
Fifth Third Bank, National Association 351 A Robert Smalls Parkway, Beaufort, SC 29906 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +5 HELOCs	0.1%	66.7%	$430,000	View
Pinnacle Bank 724 Arden Ln, Rock Hill, SC 29732 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$1,445,000	View
SAFE Federal Credit Union 596 Sumter Hwy, Bishopville, SC 29010 A+5.0 ★Texas Ratio: 3.64%	Conventional	2	0.1%	50%	$390,000	View
United Bank Va 1201 Knox Abbott Dr, Cayce, SC 29033 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$425,000	View
The Fidelity Bank 105 E North St, Greenville, SC 29601 A+5.0 ★Texas Ratio: 3.02%	Conventional	1	0.1%	100%	$475,000	View
Huntington National Bank 677 King Street, Charleston, SC 29403 A+5.0 ★Texas Ratio: 3.66%	FHA	1	0.1%	100%	$285,000	View
Spratt Savings Bank 1613 J A Cochran Byp, Chester, SC 29706 A+5.0 ★Texas Ratio: 0.36%	Conventional	1	0.1%	100%	$165,000	View
First Palmetto Bank 300 King St E, Bethune, SC 29009 A+5.0 ★Texas Ratio: 1.16%	Conventional	1	0.1%	50%	$225,000	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
United Community Bank 815 N Main St, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
New Story Lending LLC	Conventional	2	0.1%	100%	$270,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$575,000
Resource Financial Services, Inc. B+4.7 ★Texas Ratio: 18.28%	VA	1	0.1%	100%	$245,000	View
Sharonview Federal CU	HELOC	0 +6 HELOCs	0%	n/a
Palmetto Citizens Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	262	14.4%	85.1%	$223,549
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	127 +7 HELOCs	7%	88.1%	$309,881
loanDepot.com LLC	Conventional, FHA, VA	43	2.4%	79.6%	$255,000
Pennymac Loan Services LLC	Conventional, FHA, VA	42	2.3%	95.5%	$277,142
Mortgage Research Center	Conventional, VA	37	2%	70.4%	$317,162
Freedom Mortgage Corporation	Conventional, FHA, VA	34	1.9%	80%	$294,705
CrossCountry Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo, HELOC	30 +2 HELOCs	1.7%	96.8%	$333,333
Nationstar Mortgage	Conventional, FHA	29	1.6%	93.8%	$180,172
Mutual of Omaha Mortgage	Conventional, FHA, VA	28	1.5%	93.3%	$304,285
Newrez LLC	Conventional, FHA, VA	26	1.4%	68.4%	$188,076
DHI Mortgage Company, LTD.	Conventional, FHA, VA	24	1.3%	86.2%	$314,583
American Security Mortgage Cor	Conventional, FHA, VA	23	1.3%	100%	$298,913
Zillow Home Loans, LLC	Conventional, FHA, VA	22	1.2%	95.8%	$302,272
Guild Mortgage Company	Conventional, FHA, VA	20	1.1%	100%	$301,000
ALCOVA Mortgage, LLC	Conventional, FHA, VA	17	0.9%	94.4%	$291,470
Fairway Independent Mort Corp	Conventional, FHA	17	0.9%	100%	$316,764
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +11 HELOCs	0.9%	68%	$269,375
New American Funding, LLC.	Conventional, FHA, VA	15	0.8%	88.2%	$254,333
Howard Hanna Financial Services, Inc	Conventional, VA	14	0.8%	93.8%	$266,428
Atlantic Bay Mortgage Group	Conventional, FHA, VA	13	0.7%	92.9%	$300,384
American Pacific Mortgage Corporation	Conventional, FHA, VA	12	0.7%	100%	$309,166
Spring Eq, LLC	Conventional, HELOC	11 +7 HELOCs	0.6%	33.3%	$87,727
Cmg Mortgage Inc	Conventional, FHA, USDA, HELOC	11 +1 HELOCs	0.6%	86.7%	$197,727
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA, Jumbo	11	0.6%	18.2%	$241,363
Guaranteed Rate, Inc.	Conventional, FHA, VA	9	0.5%	100%	$288,333
Provident Funding Associates	Conventional	9	0.5%	100%	$367,222
Lower, LLC	Conventional, FHA	9	0.5%	71.4%	$342,777
State Employees' Credit Union	Conventional, HELOC	8 +7 HELOCs	0.4%	72.7%	$275,000
American Financial Resources LLC	Conventional, FHA	7	0.4%	87.5%	$290,714
Primelending	Conventional, FHA, VA	7	0.4%	100%	$237,857
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.4%	100%	$285,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.4%	37.8%	$195,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	7	0.4%	77.8%	$295,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	7	0.4%	87.5%	$347,857	View
Village Capital & Investment	FHA, VA	7	0.4%	75%	$280,714
Skyla Federal Credit Union A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	6 +4 HELOCs	0.3%	75%	$303,333
The Loan Store, Inc	Conventional, HELOC	6 +3 HELOCs	0.3%	100%	$358,333
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA, VA	6	0.3%	100%	$390,000	View
Amerisave Mortgage Company	Conventional, FHA	6	0.3%	21.4%	$80,000
Total Mortgage Services, LLC	Conventional, VA	6	0.3%	100%	$366,666
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	6	0.3%	77.8%	$346,666	View
Plaza Home Mortgage, Inc	Conventional, FHA	6	0.3%	66.7%	$241,666
Kind Lending, LLC	Conventional, FHA	5	0.3%	71.4%	$451,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	5	0.3%	100%	$303,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	5	0.3%	55.6%	$379,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	5	0.3%	100%	$247,000	View
Discover Bank	Conventional	5	0.3%	26.3%	$73,000
Cardinal Financial Company, Li	Conventional, FHA	5	0.3%	100%	$235,000
New Day Financial, LLC.	VA, Jumbo	5	0.3%	31.6%	$395,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.3%	83.3%	$279,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	5	0.3%	100%	$417,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	5	0.3%	100%	$381,000	View
Truliant Federal Credit Union	Conventional, HELOC	4 +5 HELOCs	0.2%	28.6%	$100,000
TowneBank	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	100%	$267,500
Originpoint, LLC	Conventional, VA	4	0.2%	100%	$352,500
Guaranteed Rate Affinity, LLC	Conventional	4	0.2%	100%	$260,000
Atlantic Coast Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$242,500
Goodleap, LLC	Conventional, FHA	4	0.2%	50%	$182,500
Union Home Mortgage Corp.	Conventional, VA	4	0.2%	100%	$295,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA	4	0.2%	100%	$210,000
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.2%	57.1%	$247,500
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional, VA	4	0.2%	100%	$355,000	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.2%	60%	$168,333	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	3	0.2%	100%	$398,333	View
Royal United Mortgage LLC	Conventional, VA	3	0.2%	100%	$188,333
Canopy Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$138,333
Envoy Mortgage, Ltd	Conventional, VA	3	0.2%	100%	$315,000
Nbkc Bank	Conventional, FHA, VA	3	0.2%	100%	$241,666
PHH Mortgage Corporation	Conventional	3	0.2%	75%	$441,666
Filo Mortgage, LLC	Conventional, FHA	3	0.2%	75%	$241,666
American Financial Network, Inc.	Conventional, FHA, VA	3	0.2%	100%	$348,333
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	3	0.2%	100%	$308,333	View
Paramount Residential Mortgage	Conventional, FHA, VA	3	0.2%	100%	$365,000
Carrington Mortgage Services LLC	Conventional, FHA	3	0.2%	23.1%	$141,666
Reliance First Capital, LLC	Conventional, FHA, VA	3	0.2%	100%	$238,333
Tomo Mortgage LLC	Conventional	3	0.2%	100%	$345,000
JMAC Lending, Inc.	Conventional, FHA	3	0.2%	100%	$301,666
American Airlines Federal Cred	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$335,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$475,000
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$315,000
Residential Wholesale Mortgage	FHA, VA	2	0.1%	100%	$320,000
Gold Star Mortgage Financial Group, Corporation	FHA	2	0.1%	100%	$170,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional, VA	2	0.1%	100%	$410,000	View
Triad Financial Services, Inc.	Conventional	2	0.1%	50%	$65,000
City Lending Inc.	Conventional, FHA	2	0.1%	100%	$285,000
Sun West Mortgage Company, Inc	VA	2	0.1%	60%	$410,000
Click n' Close, Inc.	FHA	2	0.1%	50%	$205,000
Bay Equity LLC	Conventional	2	0.1%	100%	$430,000
Kwik Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$375,000
Premier Lending Inc.	Conventional	2	0.1%	100%	$140,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	100%	$405,000
Tjc Mortgage Inc	Conventional, VA	2	0.1%	100%	$440,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$100,000
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$140,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$215,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	2	0.1%	66.7%	$310,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$360,000	View
21St Mortgage	Conventional	2	0.1%	20%	$85,000
Top Flite Financial, Inc.	FHA	2	0.1%	100%	$220,000
Coastal Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$75,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$55,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$515,000
Hartford Funding, Ltd.	Conventional	1	0.1%	100%	$245,000
Liberty Federal Credit Union	Conventional	1	0.1%	100%	$245,000
Jet Direct Funding Corp.	Conventional	1	0.1%	100%	$565,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$455,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$795,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$205,000	View
Skyone Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$835,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$395,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$235,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$85,000	View
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	FHA	1	0.1%	100%	$325,000	View
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$495,000	View
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$215,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$275,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$175,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$645,000
City 1st Mortgage Services, LC	FHA	1	0.1%	100%	$205,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$105,000
Intercoastal Mortgage, LLC	Conventional	1	0.1%	100%	$235,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$665,000	View
Uwharrie Bank A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0.1%	100%	$265,000	View
Geneva Financial LLC	FHA	1	0.1%	100%	$115,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$315,000
First Heritage Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$485,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$265,000
Capital Center LLC	Conventional	1	0.1%	100%	$255,000
First Option Mortgage, LLC	FHA	1	0.1%	100%	$195,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$315,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$475,000	View
T2 Financial LLC	Conventional	1	0.1%	100%	$245,000
Mortgage Lenders Investment Tr	FHA	1	0.1%	100%	$305,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$185,000
Gardner Financial Services	Conventional	1	0.1%	100%	$285,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$195,000	View
Synovus Bank	Conventional	1	0.1%	100%	$255,000
New Fed Mortgage Corp.	Conventional	1	0.1%	100%	$545,000
Member First Mortgage, LLC	Conventional	1	0.1%	100%	$415,000
Acopia, LLC	FHA	1	0.1%	100%	$485,000
Stockton Mortgage Corporation	FHA	1	0.1%	100%	$275,000
Mission Loans, LLC	FHA	1	0.1%	100%	$385,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$305,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$205,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$275,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$335,000
Latino Community Credit Union	Conventional	1	0.1%	100%	$135,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$525,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$65,000	View
Summit Funding.Inc	FHA	1	0.1%	100%	$235,000
Choice Financial Group A+5.0 ★Texas Ratio: 2.70%	Conventional	1	0.1%	100%	$275,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	50%	$245,000
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$445,000
Mortgage Investors Group	Conventional	1	0.1%	100%	$445,000
Loan Simple, Inc.	FHA	1	0.1%	100%	$355,000
Southwest Funding LP	FHA	1	0.1%	100%	$425,000
Civic FCU A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$275,000	View
Champions Funding, LLC	Conventional	1	0.1%	33.3%	$335,000
Utilities Employees Credit Union	Conventional	1	0.1%	100%	$275,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Carolinas Telco FCU A+5.0 ★Texas Ratio: 3.27%	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Acu	HELOC	0 +1 HELOCs	0%	n/a
Gte 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.

Rock Hill 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 Rock Hill, South Carolina

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

Types of Mortgage Lenders in Rock Hill, SC

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

Mortgage companies and brokers 122 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 57 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 86 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 55 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 3 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 11 lenders. Loans above the conforming limit for higher priced homes Local lenders based in SC 16 lenders headquartered in South Carolina, the closest thing to a mortgage lender near you

Who Lends in Rock Hill, SC

Independent mortgage companies closed 68.4 percent of home loans in Rock Hill, South Carolina in 2025, banks 19.3 percent and credit unions 12.3 percent. Movement Mortgage, LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Family Trust Federal Credit Union the largest credit union. Among lenders headquartered in South Carolina, Family Trust Federal Credit Union led with 31 loans.

68.4%

Mortgage companies

19.3%

Banks

12.3%

Credit unions

20%

FHA loans

11%

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 Greenville 224 lenders Bluffton 235 lenders Carolina Forest 198 lenders Florence 162 lenders Mauldin 190 lenders

Frequently Asked Questions About Mortgage Lenders in Rock Hill, SC

Who is the largest mortgage lender in Rock Hill, SC?

By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Rock Hill, South Carolina with 34 loans, about 1.9 percent of the market. The largest lender headquartered in South Carolina was Family Trust Federal Credit Union with 31 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Rock Hill, South Carolina, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 97.8 percent, against a 79.5 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 Rock Hill, SC mortgage lenders offer FHA, VA and USDA loans?

86 lenders closed FHA loans in Rock Hill, South Carolina in 2025, led by United Wholesale Mortgage with 43. 55 lenders closed VA loans, led by Mortgage Research Center, and 3 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 Rock Hill, SC lender list?

Yes. 57 banks and 25 credit unions closed home loans in Rock Hill, South Carolina in 2025, alongside 122 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 Rock Hill, SC ranked on this page?

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