Mortgage Lenders and Brokers in Winnsboro, 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
Winnsboro, South Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust111 S Congress St, Winnsboro, SC 29180A5.0 ★Texas Ratio: 7.72%, Founders Federal Credit UnionFounders Federal Credit Union3960 Bible Church Rd, Boiling Springs, SC 29316 8562A+5.0 ★Texas Ratio: 3.58%, Movement Mortgage, LLCMovement Mortgage, LLC9726 Old Bailes Rd, Fort Mill, SC 29707, SAFE Federal Credit UnionSAFE Federal Credit Union596 Sumter Hwy, Bishopville, SC 29010A+5.0 ★Texas Ratio: 3.64%, Southstate Bank, National AssociationSouthstate Bank, National Association203 S Main St, Abbeville, SC 29620A+5.0 ★Texas Ratio: 2.27%, AllSouth Federal Credit UnionAllSouth Federal Credit Union553 US Highway 321 Byp S, Winnsboro, SC 29180A+5.0 ★Texas Ratio: 1.08%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA481 Fabian Dr, Aiken, SC 29803A+5.0 ★Texas Ratio: 3.68%, Spratt Savings BankSpratt Savings Bank1613 J A Cochran Byp, Chester, SC 29706A+5.0 ★Texas Ratio: 0.36%, First Federal BankFirst Federal Bank36 Sea Island Pkwy, Beaufort, SC 29907A+5.0 ★Texas Ratio: 1.10%, and Wells Fargo Bank NAWells Fargo Bank NA1797 Whiskey Rd, Aiken, SC 29803A+5.0 ★Texas Ratio: 5.36%. 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 Winnsboro, South Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winnsboro 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 Winnsboro, South Carolina
Market share is the lender's share of all home loans closed in Winnsboro, 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 Winnsboro 111 S Congress St, Winnsboro, SC 29180 A5.0 ★Texas Ratio: 7.72% |
FHA, HELOC | 1 +5 HELOCs |
0.7% | 100% | $125,000 | View |
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3960 Bible Church Rd, Boiling Springs, SC 29316 8562 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 9 +5 HELOCs |
6.5% | 66.7% | $133,888 | View |
Movement Mortgage, LLC
9726 Old Bailes Rd, Fort Mill, SC 29707 |
Conventional, FHA, VA | 5 | 3.6% | 100% | $277,000 | |
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596 Sumter Hwy, Bishopville, SC 29010 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 4 | 2.9% | 100% | $132,500 | View |
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★ 5 stars, 1 review 203 S Main St, Abbeville, SC 29620 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
2.2% | 75% | $298,333 | View |
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553 US Highway 321 Byp S, Winnsboro, SC 29180 A+5.0 ★Texas Ratio: 1.08% |
Conventional | 3 | 2.2% | 60% | $178,333 | View |
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481 Fabian Dr, Aiken, SC 29803 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.4% | 100% | $180,000 | View |
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1613 J A Cochran Byp, Chester, SC 29706 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 2 | 1.4% | 66.7% | $115,000 | View |
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36 Sea Island Pkwy, Beaufort, SC 29907 A+5.0 ★Texas Ratio: 1.10% |
FHA | 2 | 1.4% | 100% | $170,000 | View |
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1797 Whiskey Rd, Aiken, SC 29803 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.4% | 50% | $110,000 | View |
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10350 Wilson Blvd, Blythewood, SC 29016 A+5.0 ★Texas Ratio: 3.03% |
Conventional | 1 | 0.7% | 100% | $75,000 | View |
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300 King St E, Bethune, SC 29009 A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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112 N Alabama Ave, Chesnee, SC 29323 A4.8 ★Texas Ratio: 6.72% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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★ 1.7 stars, 3 reviews 100 Calhoun St, Charleston, SC 29401 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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★ 4 stars, 1 review 2348 Boundary St, Beaufort, SC 29902 A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.7% | 100% | $105,000 | View |
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★ 1 stars, 1 review 4007 Clemson Blvd, Anderson, SC 29621 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B+4.7 ★Texas Ratio: 18.28% |
VA, USDA | 2 | 1.4% | 100% | $210,000 | View |
Palmetto Citizens Federal Cred
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 5.8% | 72.7% | $232,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 5.8% | 61.5% | $165,000 | |
21St Mortgage
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Conventional | 6 | 4.3% | 63.6% | $136,666 | |
Guild Mortgage Company
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Conventional, FHA, VA | 5 | 3.6% | 100% | $123,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA | 4 | 2.9% | 100% | $205,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 2.9% | 80% | $120,000 | |
Mortgage Research Center
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VA | 4 | 2.9% | 66.7% | $247,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA | 4 | 2.9% | 22.7% | $180,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 4 | 2.9% | 100% | $95,000 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 2.2% | 80% | $181,666 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 3 | 2.2% | 100% | $261,666 | |
New Day Financial, LLC.
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VA | 3 | 2.2% | 60% | $195,000 | |
Plaza Home Mortgage, Inc
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FHA, VA | 3 | 2.2% | 75% | $311,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 40% | $325,000 | |
American Financial Resources LLC
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FHA | 2 | 1.4% | 100% | $240,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.4% | 100% | $280,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 1.4% | 100% | $285,000 | |
Intercoastal Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $380,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 2 | 1.4% | 100% | $85,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.4% | 75% | $120,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 1.4% | 100% | $280,000 | View |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.4% | 66.7% | $75,000 | |
Lower, LLC
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FHA, VA | 2 | 1.4% | 66.7% | $205,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.7% | 100% | $155,000 | |
Goodleap, LLC
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FHA | 1 | 0.7% | 100% | $125,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.7% | 50% | $45,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.7% | 100% | $165,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.7% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.7% | 100% | $395,000 | View |
Mortgage Assurance Inc
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Conventional | 1 | 0.7% | 100% | $455,000 | |
Schumacher Mortgage LLC
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FHA | 1 | 0.7% | 100% | $345,000 | |
First Heritage Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $95,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.7% | 50% | $205,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 100% | $325,000 | View |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Synovus Bank
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FHA | 1 | 0.7% | 100% | $215,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.7% | 100% | $195,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.7% | 100% | $335,000 | View |
Southwest Stage Funding LLC
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FHA | 1 | 0.7% | 50% | $165,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.7% | 100% | $155,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.7% | 100% | $225,000 |
Winnsboro 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 Winnsboro, South Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Winnsboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winnsboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winnsboro, SC
Use these to narrow the list above. Each category shows how many Winnsboro, SC lenders fit and what that kind of lender is usually best for.
Who Lends in Winnsboro, SC
Independent mortgage companies closed 70.5 percent of home loans in Winnsboro, South Carolina in 2025, banks 15.8 percent and credit unions 13.7 percent. Movement Mortgage, LLC was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and Founders Federal Credit Union the largest credit union. Among lenders headquartered in South Carolina, Founders Federal Credit Union led with 9 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 Winnsboro, SC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Winnsboro, South Carolina with 1 loans, about 0.7 percent of the market. The largest lender headquartered in South Carolina was Founders Federal Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Winnsboro, South Carolina in 2025, led by United Wholesale Mortgage with 3. 16 lenders closed VA loans, led by Mortgage Research Center, 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.
Yes. 17 banks and 6 credit unions closed home loans in Winnsboro, South Carolina in 2025, alongside 38 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 Winnsboro, 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 Winnsboro, 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 Winnsboro. 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.
