Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in South Carolina

Updated May 29, 2026

⚖️ 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%

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

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 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.