# Best Mortgage Lenders in South Carolina

**As of:** 2026-05-21

Compare the top mortgage lenders in South Carolina. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/south-carolina/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 345
- **Total Loans:** 79,023
- **Median Rate Spread:** 0.2871178247734139%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 93 | 60 | 83 | 931 | Independent Mortgage Company |
| 2 | VELOCIO MORTGAGE L.L.C. | 93 | 96 | 85 | 399 | Independent Mortgage Company |
| 3 | SAFE FEDERAL CREDIT UNION | 93 | 93 | 70 | 315 | Credit Union |
| 4 | First-Citizens Bank & Trust Company | 86 | 60 | 62 | 1,145 | Bank |
| 5 | First Reliance Bank | 86 | 62 | 73 | 679 | Bank |
| 6 | Truist Bank | 86 | 70 | 68 | 628 | Bank |
| 7 | FOUNDERS FEDERAL CREDIT UNION | 86 | 78 | 62 | 537 | Credit Union |
| 8 | First Palmetto Bank | 86 | 76 | 78 | 432 | Bank |
| 9 | NATION ONE MORTGAGE CORPORATION | 86 | 61 | 94 | 300 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 3,809 | Independent Mortgage Company |
| 11 | Ameris Bank | 84 | 42 | 82 | 1,480 | Bank |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 51 | 82 | 1,302 | Independent Mortgage Company |
| 13 | First Heritage Mortgage, LLC | 84 | 51 | 89 | 1,089 | Independent Mortgage Company |
| 14 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 1,017 | Credit Union |
| 15 | Bank of America, National Association | 80 | 73 | 75 | 600 | Bank |
| 16 | Fifth Third Bank, National Association | 80 | 62 | 62 | 416 | Bank |
| 17 | JET HOMELOANS, LP | 80 | 71 | 77 | 250 | Independent Mortgage Company |
| 18 | STATE EMPLOYEES' | 80 | 73 | 74 | 250 | Credit Union |
| 19 | U.S. Bank National Association | 80 | 75 | 71 | 238 | Bank |
| 20 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,553 | Independent Mortgage Company |
| 21 | SouthState Bank, National Association | 78 | 49 | 73 | 1,165 | Bank |
| 22 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 1,011 | Independent Mortgage Company |
| 23 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 919 | Bank |
| 24 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 811 | Bank |
| 25 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 782 | Independent Mortgage Company |
| 26 | RESOURCE FINANCIAL SERVICES, INC. | 78 | 41 | 80 | 695 | Independent Mortgage Company |
| 27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 467 | Independent Mortgage Company |
| 28 | Countybank | 78 | 56 | 69 | 322 | Bank |
| 29 | First Federal Bank | 78 | 81 | 50 | 297 | Bank |
| 30 | First Community Bank | 78 | 40 | 65 | 273 | Bank |
| 31 | NBKC BANK | 78 | 91 | 59 | 214 | Bank |
| 32 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 5,799 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 3,120 | Independent Mortgage Company |
| 34 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 1,879 | Independent Mortgage Company |
| 35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 1,294 | Independent Mortgage Company |
| 36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,062 | Independent Mortgage Company |
| 37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 838 | Independent Mortgage Company |
| 38 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 814 | Independent Mortgage Company |
| 39 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 560 | Independent Mortgage Company |
| 40 | First National Bank of Pennsylvania | 73 | 60 | 71 | 366 | Bank |
| 41 | Regions Bank | 73 | 41 | 64 | 341 | Bank |
| 42 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 285 | Independent Mortgage Company |
| 43 | American Security Mortgage Corp. | 73 | 59 | 77 | 242 | Independent Mortgage Company |
| 44 | DELMAR FINANCIAL COMPANY | 73 | 45 | 72 | 216 | Independent Mortgage Company |
| 45 | SRP Federal Credit Union | 73 | 53 | 76 | 176 | Credit Union |
| 46 | Synovus Bank | 73 | 56 | 65 | 172 | Bank |
| 47 | Southern First Bank | 71 | 53 | 59 | 517 | Bank |
| 48 | Mortgage Research Center, LLC | 68 | 34 | 70 | 1,646 | Independent Mortgage Company |
| 49 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,294 | Independent Mortgage Company |
| 50 | LOWER, LLC | 68 | 30 | 71 | 929 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within South Carolina.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.