Home financing in Mccormick County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Mccormick County line. We do not hide that — below are the doors that serve it from the rest of South Carolina.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Mccormick County line.
That is not a gap in this page, and it is not unusual: 36 of South Carolina's 46 counties hold a door in this lane, and Mccormick County is not one of them. What does serve it is below, by name and by town.
The doors in Mccormick 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.
- 8
- DOORS HERE
- 0
- BASED HERE
- 36
- SC COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 9.5Kresidents of Mccormick County
- Elsewhere in SC
- Greenville County →17 doors — the biggest list of any other county in South Carolina
- Doors
- 8serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- 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.
Ascendus Inc. · CommunityWorksThey will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- CommunityWorksSBA microlenderCommunity lending · Business capital
- Security Federal BankPersonal · Business capital
- CLIMBFundBusiness capital
- Small Business Assistance Corporation (Servicing Southeast GA, and Lowcountry SC)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
3 of the 8 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
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.
Who actually approves home loans in Mccormick County.
home-purchase applications that reached a decision were turned down: 32 of 144.
- Applications
- 179
- Loans made
- 108
- Median rate
- 6.8%
- Credit history56.3%
- Too much debt for the income18.8%
- The home's value or condition9.4%
- Lower23195%6.9%
- First-Citizens Bank & Trust20165.6%6%
- Rocket Mortgage231425%6.3%
- Truist Bank12918.2%7.1%
- Mortgage Research Center14833.3%6.6%
- Movement Mortgage550%6.6%
- Guild Mortgage650%6.4%
- Vanderbilt Mortgage and Finance24475%—
- United Shore Financial Services7340%—
- American Financial Resources530%—
The 10 lenders that made the most home loans in Mccormick County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (24.9%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
McCormick County is a small, rural county in the western corner of South Carolina, bordered by the Savannah River and Strom Thurmond Lake. Home prices here tend to be more affordable than in larger metro areas, but financing options require knowing the right local doors to knock on. This guide walks you through what home financing is, who qualifies, what paperwork you need, and which local and regional organizations can actually help you — including ITIN-friendly lenders and nonprofit housing groups. Take your time, compare your options, and never feel pressured to sign anything you don't understand.
- 8
- SERVE IT
- 42
- ACROSS SC
Based in New York, New York. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Greenville, South Carolina. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Aiken, South Carolina. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation.
BEST FORA personal loan, or building a credit file from nothing, and working capital, equipment and payroll for a small business.Based in Charleston, South Carolina. An SBA microloan intermediary — a nonprofit that lends federal microloan money directly, in the sizes a bank does not bother with.
BEST FORWorking capital, equipment and payroll for a small business.Everything below is set by South Carolina, and it reads the same in every county in it. Who opens the door is not: 3 of the 8 above will take an ITIN instead of a social security number.
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
No institution is based inside the Mccormick County line, and we say so out loud: the 8 doors above serve it from outside.
- 02
3 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
3 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
36 of South Carolina's 46 counties hold a door in this lane. If Mccormick 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 MCCORMICK COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MCCORMICK COUNTY →36SC COUNTIES WITH DOORSThe whole stateEvery county in South Carolina, in this same lane.42 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.