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The Official Web Site of the State of South Carolina

You can file a complaint and submit applications for licensing online. Filings you do not wish to make, or that are not available, online can be submitted via mail for processing. Department staff is available to assist with any questions at (800) 922-1594 (toll free in SC) or 803-734-4200 8:30 a.m. until 5 p.m. Monday through Friday, excluding State holidays. You can also email general questions to scdca@scconsumer.gov

 

Mortgage Brokers

The Mortgage Broker Act requires that all businesses offering mortgage brokerage services, includes loan correspondents, table-funding and independent contractor (third party) loan processors and underwriters, in the State file with the S.C. Department of Consumer Affairs using the NMLS. The current Initial Filing Fee is $750.  Renewal Fee is $550. NMLS processing fees are not included. 

All licensees and new applicants must submit all filings through the Nationwide Mortgage Licensing System and Registry (NMLS). Additional instructions for the NMLS can be found at the NMLS Resource Center.

*Please note the Department's physical address is 293 Greystone Blvd., Ste. 400 | Columbia, SC | 29210*
**Mailings may be sent to PO Box 5757 | Columbia, SC | 29250-5757**

General Information

  • Administrative Interpretation 23.20-2401 (PDF) issued 5/21/2024: Federal average prime offer rate may be used as a substitute for retired net yields when performing the threshold calculations required by the High-Cost and Consumer Home Loans Act. (**NEW**)

Mortgage Log 2023

Mortgage Brokers and Mortgage Lenders/Servicers are required by SC law to file two reports: (1) annual report and (2) mortgage log. The annual report is accomplished by filing the MCR in NMLS. However, the Mortgage Log must be filed directly with SCDCA by March 31, 2024, using the below Mortgage Log Data Entry Form.

*When opening the Excel file, you must choose "Save As" and save it to your computer.

Law

Licensing Instructions and Forms

Reports

  • View the Mortgage Log Reports and DCA's 2007 Mortgage Fraud Report.

Additional Information