Home financing in Florence County.
County-by-county financing guides. No paperwork. No social. No ID.
4 institutions are headquartered inside the Florence County line, and 5 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Florence 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.
- 9
- DOORS HERE
- 4
- BASED HERE
- 36
- SC COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 137Kresidents of Florence County
- Elsewhere in SC
- Greenville County →17 doors — the biggest list of any other county in South Carolina
- State
- South Carolina →36 of 46 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Spc 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.
Carolina Trust Credit Union · Palmetto First Credit Union- Palmetto First Credit UnionPersonal · Home
- Pee Dee Credit UnionMinority depositoryPersonal · Home
- S C I Credit UnionPersonal · Home
- Trinity Baptist Church Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Florence County line. You can walk in.
- Carolina Trust Credit UnionPersonal · Home · Business capital
- Safe Credit UnionPersonal · Home · Business capital
- Sharonview Credit UnionPersonal · Home · Business capital
- South Carolina Credit UnionPersonal · Home · Business capital
- Spc Credit UnionCDFI-certifiedPersonal · 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
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Florence County, South Carolina offers real opportunities for first-time homebuyers, solo contractors, and small real-estate investors — but navigating the local lending landscape takes some know-how. This guide walks you through what home financing is, who qualifies based on Florence County's economy, what paperwork you'll need, which local lenders and community organizations actually serve this area, and how South Carolina's state rules shape your options. We also cover the red flags to watch for so you can protect yourself from predatory lending. Origen Capital is a directory, not a lender — we help you find the right door to knock on.
- 9
- DOORS HERE
- 43
- ACROSS SC
Based in Hartsville, South Carolina. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Myrtle Beach, South Carolina. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Florence, South Carolina. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in North Charlesto, South Carolina. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by South Carolina, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. South Carolina sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX0.53% effective
What South Carolina charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$299K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX0% – 6.2%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING95.3
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
9 doors sit inside the Florence County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
36 of South Carolina's 46 counties hold a door in this lane. If Florence County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN FLORENCE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN FLORENCE COUNTY →36SC COUNTIES WITH DOORSThe whole stateEvery county in South Carolina, in this same lane.43 institutions fund homes and repairs 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.