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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 Bank Mortgage Lenders in South Carolina
Updated February 6, 2026
Market Overview
26
Total Lenders
17,132
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,420 | +0.007% | 1,145 | |
2 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | $1,719 | +0.106% | 679 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $1,077 | +0.109% | 628 | |
4 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | $1,110 | +0.037% | 432 | |
5 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,907 | -0.016% | 297 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $475 | -0.156% | 214 | |
7 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $2,896 | +0.184% | 1,480 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,976 | +0.087% | 811 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,517 | -0.056% | 600 | |
10 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $174 | -0.026% | 416 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $458 | +0.112% | 238 | |
12 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,981 | +0.078% | 919 | |
14 | Countybank | Strong | Sound | Strong | Exceptional | $1,868 | +0.277% | 322 | |
15 | First Community Bank | Strong | Sound | Strong | Exceptional | $2,677 | +0.244% | 273 | |
16 | Southern First Bank | Strong | Sound | Sound | Exceptional | $1,788 | +0.221% | 517 | |
17 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,194 | +0.007% | 366 | |
18 | Regions Bank | Strong | Sound | Strong | Strong | $2,326 | +0.105% | 341 | |
19 | Synovus Bank | Strong | Sound | Strong | Strong | $1,567 | +0.081% | 172 | |
20 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $2,453 | +0.491% | 507 | |
21 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,335 | +0.237% | 432 | |
22 | TD Bank, National Association | Strong | Sound | Sound | Strong | $617 | +0.228% | 379 | |
23 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,815 | -0.150% | 328 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,228 | +0.285% | 476 | |
25 | Coastal Carolina National Bank | Strong | Acceptable | Strong | Strong | $1,321 | +0.701% | 186 | |
26 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,342 | +0.377% | 225 |
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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