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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in South Carolina
Updated February 6, 2026
Market Overview
345
Total Lenders
79,023
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $871 | -0.932% | 399 | |
2 | SAFE FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $574 | -0.094% | 315 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,122 | -0.504% | 1,017 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,259 | -0.629% | 931 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,420 | +0.007% | 1,145 | |
6 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | $1,719 | +0.106% | 679 | |
7 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $1,077 | +0.109% | 628 | |
8 | FOUNDERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $489 | -0.234% | 537 | |
9 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | $1,110 | +0.037% | 432 | |
10 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,907 | -0.016% | 297 | |
11 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $475 | -0.156% | 214 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $2,896 | +0.184% | 1,480 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
15 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,976 | +0.087% | 811 | |
17 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,517 | -0.056% | 600 | |
18 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $174 | -0.026% | 416 | |
19 | STATE EMPLOYEES' | Strong | Strong | Strong | Strong | $2,173 | -0.714% | 250 | |
20 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,856 | -0.026% | 250 | |
21 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $458 | +0.112% | 238 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
23 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,981 | +0.078% | 919 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,464 | +0.270% | 782 | |
27 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | $2,429 | +0.304% | 695 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,255 | +0.377% | 467 | |
29 | Countybank | Strong | Sound | Strong | Exceptional | $1,868 | +0.277% | 322 | |
30 | First Community Bank | Strong | Sound | Strong | Exceptional | $2,677 | +0.244% | 273 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,380 | +0.337% | 3,120 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,166 | +0.363% | 1,879 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,554 | +0.347% | 814 | |
38 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,798 | +0.017% | 560 | |
39 | Southern First Bank | Strong | Sound | Sound | Exceptional | $1,788 | +0.221% | 517 | |
40 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,194 | +0.007% | 366 | |
41 | Regions Bank | Strong | Sound | Strong | Strong | $2,326 | +0.105% | 341 | |
42 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,542 | +0.255% | 285 | |
43 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $2,041 | +0.138% | 242 | |
44 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,572 | +0.286% | 216 | |
45 | SRP Federal Credit Union | Strong | Sound | Strong | Strong | $2,828 | -0.149% | 176 | |
46 | Synovus Bank | Strong | Sound | Strong | Strong | $1,567 | +0.081% | 172 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,931 | +0.566% | 1,646 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
49 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $3,090 | +0.491% | 929 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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