FHA Loans
Todd Mitcham
Mortgage Banker
NMLS #: 415506
520 Gervais Street, Columbia, SC 29201
About Todd Mitcham
With over 30 years of experience in the Columbia area, Todd Mitcham has built a distinguished career in mortgage banking, helping clients secure more than $800 million in home financing. His extensive knowledge spans the full range of SouthState's mortgage products, with a particular focus on construction-to-permanent financing. Todd takes pride in guiding clients through the home building process – from concept to completion – ensuring they have the support and insight they need every step of the way.
A proud alumnus of the University of South Carolina, Todd holds both a BA and MBA. He is passionate about helping individuals and families find the right loan solutions to meet their unique needs, and he would be honored to assist you on your homeownership journey.
A proud alumnus of the University of South Carolina, Todd holds both a BA and MBA. He is passionate about helping individuals and families find the right loan solutions to meet their unique needs, and he would be honored to assist you on your homeownership journey.
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First-Time Buyer Resources
- Resources for first-time homebuyers
- Tips for improving your credit score
- Get information on pre-qualifying
- Learn about the loan process
- Find a checklist of information you'll need to gather
- Learn about Down Payment Assistance programs
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Try Our Mortgage CalculatorRecent Reviews
From beginning to end, Todd was phenomenal with our mortgage application, approval, underwriting, and closing. He has incredible communication skills and lets you know what is needed, how to get it, and how to submit it. I highly recommend Todd and SouthState Mortgage to anyone looking to purchase a home.
Top notch experience with Todd Mitcham! He went above and beyond, and truly exceeded our expectations. He was organized, friendly, professional, and always quick to assist.
Todd made our mortgage process with South State Bank an absolute pleasure. From start to finish, he was incredibly responsive - even on weekends, proactive, and provided clear guidance at every step, making the entire experience feel seamless and stress-free.
We were especially impressed by how easy and user-friendly everything was — a huge contrast to the complicated, frustrating processes we’ve dealt with at larger banks in the past.
We’ll definitely be recommending Todd and South State Bank to our friends and family.
