Top 3 Mortgage Lenders in Folly Beach

Trident United Credit Union is one of the most highly-rated mortgage lenders serving the Charleston area and Folly Beach, with exceptional customer satisfaction ratings and deep roots in the Lowcountry community. As a not-for-profit financial cooperative, they offer highly competitive rates and personalized service. Their mortgage team specializes in coastal property financing and offers comprehensive guidance through the entire homebuying process. With multiple branches throughout the Charleston metro area, they provide convenient local service combined with the expertise needed for Folly Beach's unique real estate market.

Movement Mortgage has established itself as a top-rated national mortgage lender with a strong presence in South Carolina and particular expertise in coastal communities like Folly Beach. Founded in Indian Land, SC, they maintain deep connections throughout the state and have built a reputation for efficient processing and excellent customer service. Their local loan officers understand the specific challenges and opportunities of purchasing property in barrier island communities, including flood insurance requirements and coastal construction considerations. Movement consistently receives high marks for their streamlined digital process and commitment to closing loans on time.

South State Bank brings nearly a century of banking experience to the Folly Beach market, combining the stability of an established financial institution with personalized mortgage services. As one of the largest banks headquartered in the Southeast with deep roots in South Carolina, they offer comprehensive mortgage solutions tailored to coastal living. Their local mortgage specialists understand the unique aspects of Folly Beach properties, including elevation requirements and insurance considerations. South State provides competitive rates and maintains strong relationships with local real estate professionals, ensuring a smooth homebuying experience from application to closing.