Mortgage Lender Information

Whether you're a first time homebuyer or an experienced borrower, The Bank of South Carolina can make the process clear and simple. Our knowledgeable professionals are trained to help you understand the entire loan process and select the most favorable loan product for your needs. We are committed to building solid, dependable relationships without guesswork: just honest, hard work.

The Bank of South Carolina NMLS# 408535

Downtown- 256 Meeting Street - 843-724-1500

Carson Williams, Vice President, NMLS# 452995

Carson has been assisting mortgage clients in the Charleston area for the past 22 years. He is passionate about constructing the best possible home buying experience for each of his customers and his reputation in the mortgage industry as an effective and caring lender precedes him. For more than a decade, he has aided borrowers who seek out The Bank of South Carolina in obtaining the right loan based on their particular needs. He is thorough, communicative and pays close attention to detail so that both the loan he secures and the lending process itself are structured to suit every individual customer. Carson has served as President and board member of the Mortgage Lenders Association of the Greater Charleston Area, and enjoys spending time with his daughter and out on his boat. No matter where you are in the mortgage planning process, Carson is available to answer your questions, address your concerns, and walk you through the borrowing process. Contact him today to find out more!

Visit Carson's lender page for additional information or to begin an application.

Liz Ryan, Loan Officer, NMLS# 452987

 Liz began her career in mortgage lending as a mortgage trainer and marketing liaison. She moved into loan origination and has been passionate about helping customers achieve the dream of home ownership ever since. With a caring attitude and attention to detail, Liz ensures her clients are well informed and comfortable with the home buying process. From first time homebuyers to investment property entrepreneurs, you can count on Liz every step of the way!

Visit Liz's lender page for additional information or to begin an application.

Molly C. Dargan, Mortgage Loan Officer, NMLS# 1743103

Molly is a graduate of Sewanee: The University of the South. She began her career as a mortgage loan officer with the Bank of South Carolina several years ago. After taking some time off to stay at home with her young children, she is happy to be back with the bank. Molly enjoys getting to know her clients and helping them find the product and scenario that work best for them. She strives to make the loan process as easy and as enjoyable as possible. Molly is active in the Mt. Pleasant and Charleston area communities through her church, her children’s schools and on the tennis court. Contact Molly today to get started!

Visit Molly's lender page for additional information or to begin an application.


West Ashley - 2027 Sam Rittenberg Blvd.

Tracy Searson Causby, Vice President, NMLS# 452989

Tracy holds the title of Vice President and has been with the bank for 23 years. She has served as a branch manager, consumer and commercial lender. She is well-versed in the banking and lending procedures that impact the mortgage industry today. Since joining the bank's mortgage lending team, she has put her knowledge and passion to work for borrowers in her community. Tracy is committed to providing her customers with exceptional customer service and expert guidance they deserve and helping to secure the proper loan with the best possible terms for each unique borrower. She works diligently to earn and maintain her customers' trust, and to educate them about the lending process from start to finish. Tracy is a Charleston native and enjoys spending her free time cooking, boating, reading, and soaking up time with family and friends - the closer to the ocean, the better! Whether you are looking to buy your very first home, in need of a refinance, are new to the Charleston area, or simply want to find out what options are available to you as a borrower, Tracy is eager to serve your needs and be sure that all of your questions and concerns are answered. Call or email her today to find out more about why Tracy and The Bank of South Carolina are the best choice for your mortgage needs.

Visit Tracy's lender page for additional information or to begin an application.


Mt. Pleasant - 1337 Chuck Dawley Blvd.

Tammy Barker, Loan Officer, NMLS# 479315

Tammy is a versatile, results oriented professional with 27 years of combined banking experience in servicing both new and established customers. She is proud to offer consistent follow through and her focus is always on customer satisfaction. Not only is she a highly organized and effective team player with excellent communication skills, she is also well versed in underwriting criteria and lending procedures. Though she has seen many changes in the industry, her commitment to serving and meeting the needs of potential borrowers has not changed. She takes great pleasure in helping homebuyers obtain the loan that best suits their needs, and in mitigating the stress that often accompanies the process. Tammy's familiarity with the mortgage process enables her to help borrowers achieve their goals in a smooth and professional manner. She is always available to answer questions and address concerns and is genuinely invested in helping make homebuyers' dreams come true.

Visit Tammy's lender page for additional information or to begin an application.


J.R. McCroskey, Loan Officer, NMLS# 1675670

J.R. McCroskey, a native South Carolinian, has called the Charleston area home for the past 7 years.  With a previous career in managing high-end golf courses, J.R. brings to the Bank of South Carolina a level of hospitality rarely seen in the mortgage industry.  A quick search of social media will reveal a couple of things about J.R. -that he believes in serving his clients, serving his community and supporting local business.  The son of a small business owner, J.R. has a customer-first mentality.  He adjusts his schedule to meet the needs of his clients and makes himself available on nights and weekends if that’s what it takes to get the job done.  If you are a fan of HGTV, make sure you ask him about our Renovation Loan program.  He has a team of designers and contractors ready to turn your “fixer-upper” into your dream home. 

J.R. currently sits on the State Board of the Coastal Conservation Association of SC, serves as a Green Heart Buddy teaching school children the importance of urban farming and nutrition, and participates on a team that competes in the SC Governors Cup Offshore Fishing Series.  J.R. is married with a daughter and two black labs. 

Visit J.R.'s lender page for additional information or to begin an application.