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

Candy Nicodin, Senior Vice President, NMLS# 452986
cnicodin@banksc.com
843-958-1092

Carson Williams, Vice President, NMLS# 452995
cwilliams@banksc.com
843-958-1046

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 preceeds 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 concersn, 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.

Ryan Gesser, Vice President, NMLS# 452979
rgesser@banksc.com
843-958-1051

Ryan Gesser is the Producing Sales Manager for The Bank of South Carolina's Mortgage Department. He has been with the bank for the last 8 years and previously owned his own mortgage company. His 18 years of experience in the field, combined with his ability to think outside the box, make Ryan an invaluable asset in the mortgage loan process. He works tirelessly to close even the toughest of loans and to make the entire mortgage experience pleasant by securing a great rate and affordable monthly payment for his customers. Whether you need a renovation loan, want to find out about eliminating mortgage insurance, or simply need to find a lender who undertsands your needs, Ryan is prepared to put his knowledge and experience to work for you. Call or email him today!

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

West Ashley - 2027 Sam Rittenberg Blvd.

Tracy Searson Causby, Vice President, NMLS# 452989
tsearson@banksc.com
843-958-1045

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
tbarker@banksc.com
843-958-1030

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.

Summerville - 100 North Main Street

Sandy Osborne, Loan Officer, NMLS# 1460068
sosborne@banksc.com
843-832-7107

Sandy came to The Bank of South Carolina with more than 27 years of experience in mortgage banking and across the financial sector. She has joined our team of lenders and dedicates herself to providing customers with fast, courteous and professional service and guidance throughout the home buying process. Sandy attended East Tennessee State University and has served previously as a licensed insurance agent and a certified tax preparer. She enjoys spending time with her granddaughters, horseback riding, traveling, photography, and soaking in all the culture and history that Charleston has to offer. Sandy specializes in first time home buying, FHA/VA, USDA, and conventional loans, and in assisting self-employed and professional borrowers with both home purchases and refinances. She is eager to educate and empower her buyers by helping them navigate the entire mortgage loan process, from application to closing. Contact Sandy by phone or email with all your mortgage questions; her guidance will get you on the path to homeownership today!

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