Home financing in Charleston County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Charleston County line, Charleston included, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Charleston County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Cpm Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Latitude 32 Credit UnionPersonal · Home
- South Carolina Credit UnionPersonal · Home · Business capital
- CLIMB FundCommunity lending · Business capital
- South Carolina Community Loan FundCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Charleston County line. You can walk in.
- Rev Credit UnionCDFI-certifiedPersonal · Home · Business capital
- State Department Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
4 of the 10 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Charleston County has a growing and diverse housing market, and there are real financing options available for first-time buyers, solo contractors, and small real-estate investors — including those who use an ITIN instead of a Social Security Number. This guide focuses on the local lenders, credit unions, and nonprofit intermediaries that actually serve Charleston County residents. Federal loan programs like FHA and USDA provide helpful context, but the most important step is connecting with a trusted local institution that understands your situation. Take your time, compare options, and never sign anything you don't fully understand.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Cpm Credit Union · Rev Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Cpm Credit Union · Latitude 32 Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN CHARLESTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CHARLESTON COUNTY →36SC COUNTIES WITH DOORSThe whole stateEvery county in South Carolina, in this same lane.44 institutions fund home financing inside South Carolina county lines.OPEN THE STATE →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.