Mortgage lenders in Richland County
10,401 mortgages were made in Richland County, South Carolina, in 2025, by 483 lenders. The median rate their borrowers got was 6.375% on a median loan of $225,000. Of 14,244 decisions, 3,184 were denials — 22.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 640 | 6.500% | $225,000 | 6.4% |
| Rocket Mortgage, LLC | 569 | 6.500% | $195,000 | 20.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 509 | 6.125% | $255,000 | 17.8% |
| First-Citizens Bank & Trust Company | 453 | 6.125% | $145,000 | 19.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 321 | 5.990% | $245,000 | 34.9% |
| Palmetto Citizens Federal Credit Union | 310 | 6.500% | $115,000 | 27.2% |
| Ameris Bank | 273 | 6.125% | $225,000 | 8.6% |
| FREEDOM MORTGAGE CORPORATION | 259 | 6.125% | $275,000 | 10.8% |
| Navy Federal Credit Union | 256 | 7.438% | $155,000 | 35.3% |
| Mortgage Research Center, LLC | 255 | 6.250% | $265,000 | 33.6% |
| First Heritage Mortgage, LLC | 250 | 6.125% | $275,000 | 3.1% |
| RESOURCE FINANCIAL SERVICES, INC. | 215 | 6.375% | $245,000 | 1.8% |
| DHI MORTGAGE COMPANY, LTD. | 196 | 5.375% | $275,000 | 28.5% |
| Bank of America, National Association | 176 | 6.000% | $155,000 | 41.6% |
| PENNYMAC LOAN SERVICES, LLC | 172 | 6.250% | $205,000 | 18.5% |
| S. C. STATE FEDERAL CREDIT UNION | 171 | 4.500% | $85,000 | 26.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 159 | 6.625% | $245,000 | 6.4% |
| Broker Solutions, Inc. | 143 | 6.500% | $215,000 | 12.2% |
| MOVEMENT MORTGAGE, LLC | 136 | 6.500% | $225,000 | 3.0% |
| CMG MORTGAGE, INC. | 134 | 6.500% | $285,000 | 7.8% |
| JPMorgan Chase Bank, National Association | 127 | 6.375% | $205,000 | 5.8% |
| Kiavi Funding, Inc. | 126 | 9.500% | $165,000 | 11.8% |
| ALLSOUTH FEDERAL CREDIT UNION | 125 | Not published | $155,000 | 30.9% |
| PULTE MORTGAGE LLC | 124 | 5.375% | $325,000 | 16.7% |
| First Palmetto Bank | 124 | 6.624% | $265,000 | 3.9% |
| First Reliance Bank | 123 | 6.625% | $295,000 | 2.4% |
| NEWREZ LLC | 118 | 6.125% | $270,000 | 39.4% |
| Loandepot.Com, LLC | 115 | 6.625% | $165,000 | 42.7% |
| SouthState Bank, National Association | 115 | 6.590% | $185,000 | 17.9% |
| Integrity Home Mortgage Corporation | 114 | 6.625% | $280,000 | 7.2% |
| GUARANTEED RATE AFFINITY, LLC | 95 | 6.450% | $225,000 | 8.6% |
| NVR Mortgage Finance, Inc. | 91 | 6.125% | $265,000 | 24.2% |
| LOWER, LLC | 90 | 6.250% | $225,000 | 18.6% |
| GUARANTEED RATE, INC. | 87 | 6.525% | $265,000 | 9.4% |
| SAFE FEDERAL CREDIT UNION | 87 | 6.375% | $135,000 | 22.6% |
| Truist Bank | 84 | 6.675% | $155,000 | 50.0% |
| First Community Bank | 80 | 6.700% | $305,000 | 5.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 79 | 6.250% | $255,000 | 11.4% |
| NATIONSTAR MORTGAGE LLC | 77 | 7.250% | $125,000 | 18.2% |
| Synovus Bank | 76 | 7.000% | $205,000 | 19.0% |
| FBC MORTGAGE, LLC | 72 | 5.490% | $325,000 | 6.5% |
| Assurance Financial Group, L.L.C. | 64 | 6.750% | $215,000 | 3.0% |
| FOUNDERS FEDERAL CREDIT UNION | 59 | 7.000% | $165,000 | 31.5% |
| Fairway Independent Mortgage Corporation | 57 | 6.375% | $205,000 | 9.5% |
| Wells Fargo Bank, National Association | 56 | 6.500% | $165,000 | 25.0% |
| TD Bank, National Association | 56 | 7.790% | $150,000 | 29.3% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 49 | 7.375% | $105,000 | 13.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 47 | 5.750% | $295,000 | 33.1% |
| Regions Bank | 47 | 5.875% | $215,000 | 25.0% |
| LENNAR MORTGAGE, LLC | 47 | 6.125% | $215,000 | 11.3% |
| AmeriSave Mortgage Corporation | 41 | 7.000% | $145,000 | 69.7% |
| SPRING EQ, LLC | 41 | 9.225% | $65,000 | 59.4% |
| USAA Federal Savings Bank | 40 | 6.250% | $290,000 | 37.9% |
| DELMAR FINANCIAL COMPANY | 39 | 6.375% | $265,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 38 | 6.625% | $245,000 | 0.0% |
| 21st Mortgage Corporation | 37 | 10.850% | $65,000 | 68.9% |
| Southern First Bank | 34 | 7.000% | $255,000 | 5.6% |
| Equity Prime Mortgage LLC | 33 | 6.750% | $245,000 | 36.5% |
| PLANET HOME LENDING, LLC | 32 | 6.120% | $275,000 | 20.9% |
| NEW DAY FINANCIAL, LLC | 31 | 6.990% | $225,000 | 65.7% |
| TOWNE MORTGAGE COMPANY | 30 | 6.625% | $220,000 | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 30 | 6.750% | $275,000 | 0.0% |
| FIGURE LENDING LLC | 29 | 11.500% | $65,000 | 23.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 29 | 7.750% | $265,000 | 12.2% |
| Arthur State Bank | 29 | 7.500% | $385,000 | 6.5% |
| ZILLOW HOME LOANS, LLC | 26 | 6.375% | $185,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 26 | 6.625% | $165,000 | 8.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $195,000 | 60.7% |
| The Federal Savings Bank | 25 | 6.500% | $265,000 | 16.7% |
| GoodLeap, LLC | 25 | 5.875% | $155,000 | 25.6% |
| United Community Bank | 25 | 6.500% | $175,000 | 29.7% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.625% | $245,000 | 23.5% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 6.490% | $155,000 | 50.6% |
| PENTAGON FEDERAL CREDIT UNION | 23 | 7.375% | $155,000 | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 23 | 6.875% | $355,000 | 20.7% |
| LENDINGONE, LLC | 22 | 9.740% | $155,000 | 31.3% |
| AMERICAN HERITAGE LENDING, LLC | 22 | 7.500% | $160,000 | 4.2% |
| THE LOAN STORE, INC. | 22 | 6.933% | $200,000 | 3.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 7.740% | $115,000 | 19.2% |
| Loan Funder LLC | 21 | 7.830% | $195,000 | 16.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.250% | $225,000 | 39.0% |
| LoanUnited.com, LLC | 21 | 6.250% | $265,000 | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 6.625% | $265,000 | 33.3% |
| KIND LENDING, LLC | 20 | 6.375% | $240,000 | 33.3% |
| First Horizon Bank | 20 | 6.625% | $315,000 | 22.2% |
| BETTER MORTGAGE CORPORATION | 19 | 7.125% | $245,000 | 34.5% |
| Citizens Bank, National Association | 18 | 7.700% | $105,000 | 35.7% |
| First Federal Bank | 18 | 6.124% | $260,000 | 10.0% |
| CLEARPATH LENDING | 18 | 5.813% | $270,000 | 21.7% |
| Click n' Close, Inc. | 17 | 7.000% | $245,000 | 5.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 10.115% | $115,000 | 0.0% |
| American Security Mortgage Corp. | 17 | 6.250% | $385,000 | 0.0% |
| First National Bank of Pennsylvania | 17 | 6.250% | $350,000 | 0.0% |
| PNC Bank, National Association | 16 | 7.550% | $115,000 | 50.0% |
| Alcova Mortgage LLC | 16 | 6.313% | $200,000 | 14.3% |
| UNION HOME MORTGAGE CORP. | 16 | 6.058% | $300,000 | 5.9% |
| Magnolia Bank, Incorporated | 16 | 6.438% | $295,000 | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $295,000 | 16.7% |
| The Huntington National Bank | 15 | 6.875% | $255,000 | 11.1% |
| OCMBC, INC. | 15 | 6.999% | $185,000 | 11.8% |
| RELIANCE FIRST CAPITAL, LLC | 15 | 6.500% | $185,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 14 | 7.688% | $140,000 | 17.7% |
| PHH Mortgage Corporation | 13 | 6.625% | $155,000 | 23.5% |
| U.S. Bank National Association | 13 | 6.250% | $305,000 | 48.0% |
| BPL MORTGAGE TRUST, LLC | 13 | 6.983% | $105,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.063% | $330,000 | 16.0% |
| Fifth Third Bank, National Association | 12 | 7.188% | $140,000 | 30.0% |
| ROYAL UNITED MORTGAGE LLC | 12 | 7.313% | $100,000 | 31.6% |
| CHAMPIONS FUNDING, LLC | 12 | 7.999% | $210,000 | 25.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 11 | 6.125% | $185,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 11 | 11.000% | $145,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 11 | 7.000% | $215,000 | 8.3% |
| A&D Mortgage LLC | 11 | 6.750% | $315,000 | 8.3% |
| Gateway First Bank | 11 | 6.500% | $185,000 | 0.0% |
| Discover Bank | 10 | 8.685% | $65,000 | 77.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.250% | $275,000 | 16.7% |
| STATE EMPLOYEES' | 10 | 6.150% | $235,000 | 33.3% |
| Renasant Bank | 10 | 6.125% | $235,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 9.500% | $190,000 | 9.1% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 43.8% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 55.0% |
| Security Federal Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 47.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 16.7% |
| INTERCOASTAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 7.1% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 8 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CAROLINA ONE MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Spero Financial | 7 | Under 10 loans | Under 10 loans | 38.5% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Trustmark National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Carolina National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MID CAROLINA Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 55.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 27.3% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Conway National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank Of Clarendon | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 283 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Richland County
79 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First-Citizens Bank & Trust Company | 11 | $1.7 billion |
| Wells Fargo Bank, National Association | 8 | $1.6 billion |
| Bank of America, National Association | 7 | $8.5 billion |
| Truist Bank | 7 | $2.8 billion |
| Pinnacle Bank | 5 | $1.2 billion |
| TD Bank, National Association | 5 | $536.0 million |
| JPMorgan Chase Bank, National Association | 5 | $92.4 million |
| First Community Bank | 4 | $293.9 million |
| SouthState Bank, National Association | 3 | $572.3 million |
| First Palmetto Bank | 3 | $135.1 million |
| Security Federal Bank | 3 | $78.7 million |
| Arthur State Bank | 3 | $38.5 million |
| Woodforest National Bank | 3 | $9.4 million |
| OPTUS Bank | 2 | $646.4 million |
| First Horizon Bank | 2 | $93.9 million |
| Ameris Bank | 1 | $255.3 million |
| Coastal Carolina National Bank | 1 | $116.4 million |
| First Reliance Bank | 1 | $111.9 million |
| Regions Bank | 1 | $75.7 million |
| PNC Bank, National Association | 1 | $50.3 million |
| First Bank | 1 | $26.1 million |
| United Community Bank | 1 | $24.5 million |
| First Carolina Bank | 1 | $17.2 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 1301 Gervais St, Columbia
- Synovus Bank, 1025 Broad River Rd, Columbia
- Synovus Bank, 1221 Main St, Columbia
- Synovus Bank, 217 Forum Dr, Columbia
- Synovus Bank, 2401 Devine St, Columbia
- Synovus Bank, 4840 Forest Dr, Columbia
Get told when this changes
When the next year’s lending figures are out for Richland County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.