Safe Rate Rankings

Best Jumbo Mortgage Lenders in South Carolina

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders345

Total Loans79,023

Median Rate Spread0.29%

South Carolina Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in South Carolina, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In South Carolina, Navy Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #5 in South Carolina, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #8 in South Carolina, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in South Carolina

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,517Fees	0.056%Below	600
2	First-Citizens Bank & Trust Company BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,420Fees	0.007%Above	1,145
3	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,976Fees	0.087%Above	811
4	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$458Fees	0.112%Above	238
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,852Fees	0.090%Above	3,809
6	Truist Bank BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,077Fees	0.109%Above	628
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$1,122Fees	0.504%Below	1,017
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,996Fees	0.306%Above	5,799
9	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$174Fees	0.026%Below	416
10	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,464Fees	0.270%Above	782
11	First National Bank of Pennsylvania BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,194Fees	0.007%Above	366
12	STATE EMPLOYEES' Credit UnionDirect	Strong	Exceptional	Exceptional	Strong	Strong	$2,173Fees	0.714%Below	250
13	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,380Fees	0.337%Above	3,120
14	First Reliance Bank BankDirect & Wholesale	Strong	Strong*	Strong	Strong	Exceptional	$1,719Fees	0.106%Above	679
15	TD Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$617Fees	0.228%Above	379
16	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,602Fees	0.538%Above	1,294
17	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,981Fees	0.078%Above	919
18	First Palmetto Bank BankDirect	Strong	Strong	—	Strong	Exceptional	$1,110Fees	0.037%Above	432
19	Synovus Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,567Fees	0.081%Above	172
20	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,798Fees	0.017%Above	560
21	SOUTH CAROLINA FEDERAL CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Strong	Exceptional	$3,462Fees	0.053%Above	358
22	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,889Fees	0.218%Above	1,294
23	SouthState Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,899Fees	0.213%Above	1,165
24	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,326Fees	0.105%Above	341
25	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,166Fees	0.363%Above	1,879
26	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,896Fees	0.184%Above	1,480
27	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,554Fees	0.347%Above	814
28	Renasant Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,335Fees	0.237%Above	432
29	American Security Mortgage Corp. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,041Fees	0.138%Above	242
30	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,164Fees	0.452%Above	838
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,369Fees	0.525%Above	1,062
32	Southern First Bank BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,788Fees	0.221%Above	517
33	CAROLINA ONE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,094Fees	0.237%Above	470
34	First Community Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$2,677Fees	0.244%Above	273
35	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,899Fees	0.320%Above	256
36	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,072Fees	0.595%Above	622
37	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Strong	$3,462Fees	0.632%Above	468
38	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$2,228Fees	0.285%Above	476
39	Coastal Carolina National Bank BankDirect	Sound	Acceptable	—	Strong	Strong	$1,321Fees	0.701%Above	186
40	United Community Bank BankDirect	Sound	Mediocre	Strong	Sound	Strong	$2,342Fees	0.377%Above	225

❓ Frequently Asked Questions

How are mortgage lenders ranked in South Carolina?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in South Carolina), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in South Carolina?+

Based on 2024 HMDA data, 345 lenders originated a combined 79,023 loans in South Carolina. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in South Carolina?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in South Carolina is 0.29%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In South Carolina's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.