# Best Bank Mortgage Lenders in South Carolina

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

Compare the top banks offering mortgages in South Carolina. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | First-Citizens Bank & Trust Company | 86 | 60 | 62 | 1,145 | Bank |
| 2 | First Reliance Bank | 86 | 62 | 73 | 679 | Bank |
| 3 | Truist Bank | 86 | 70 | 68 | 628 | Bank |
| 4 | First Palmetto Bank | 86 | 76 | 78 | 432 | Bank |
| 5 | Ameris Bank | 84 | 42 | 82 | 1,480 | Bank |
| 6 | Bank of America, National Association | 80 | 73 | 75 | 600 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 416 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 238 | Bank |
| 9 | SouthState Bank, National Association | 78 | 49 | 73 | 1,165 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 919 | Bank |
| 11 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 811 | Bank |
| 12 | Countybank | 78 | 56 | 69 | 322 | Bank |
| 13 | First Federal Bank | 78 | 81 | 50 | 297 | Bank |
| 14 | First Community Bank | 78 | 40 | 65 | 273 | Bank |
| 15 | NBKC BANK | 78 | 91 | 59 | 214 | Bank |
| 16 | First National Bank of Pennsylvania | 73 | 60 | 71 | 366 | Bank |
| 17 | Regions Bank | 73 | 41 | 64 | 341 | Bank |
| 18 | Synovus Bank | 73 | 56 | 65 | 172 | Bank |
| 19 | Southern First Bank | 71 | 53 | 59 | 517 | Bank |
| 20 | Gateway First Bank | 68 | 29 | 79 | 507 | Bank |
| 21 | Renasant Bank | 68 | 38 | 81 | 432 | Bank |
| 22 | TD Bank, National Association | 66 | 47 | 57 | 379 | Bank |
| 23 | USAA Federal Savings Bank | 66 | 54 | 45 | 328 | Bank |
| 24 | Flagstar Bank, N.A. | 63 | 40 | 76 | 476 | Bank |
| 25 | Coastal Carolina National Bank | 63 | 21 | 68 | 186 | Bank |
| 26 | United Community Bank | 58 | 37 | 53 | 225 | Bank |

## 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.