# Best Conventional Mortgage Bank Lenders in South Carolina

**As of:** 2026-05-29

Compare the top banks for Conventional loans in South Carolina.

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


> **📋 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 Reliance Bank | 89 | 61 | 81 | 679 | Bank |
| 2 | Truist Bank | 89 | 71 | 69 | 628 | Bank |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 600 | Bank |
| 4 | First Palmetto Bank | 85 | 78 | 79 | 432 | Bank |
| 5 | First National Bank of Pennsylvania | 85 | 63 | 77 | 366 | Bank |
| 6 | U.S. Bank National Association | 85 | 75 | 69 | 238 | Bank |
| 7 | Ameris Bank | 83 | 41 | 76 | 1,480 | Bank |
| 8 | SouthState Bank, National Association | 83 | 48 | 72 | 1,165 | Bank |
| 9 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 919 | Bank |
| 10 | Wells Fargo Bank, National Association | 83 | 61 | 57 | 811 | Bank |
| 11 | Fifth Third Bank, National Association | 79 | 61 | 60 | 416 | Bank |
| 12 | Countybank | 79 | 59 | 61 | 322 | Bank |
| 13 | NBKC BANK | 79 | 90 | 49 | 214 | Bank |
| 14 | Gateway First Bank | 75 | 27 | 75 | 507 | Bank |
| 15 | First Federal Bank | 74 | 73 | 52 | 297 | Bank |
| 16 | Synovus Bank | 74 | 48 | 62 | 172 | Bank |
| 17 | First-Citizens Bank & Trust Company | 73 | 57 | 59 | 1,145 | Bank |
| 18 | Southern First Bank | 73 | 54 | 59 | 517 | Bank |
| 19 | Flagstar Bank, N.A. | 71 | 34 | 72 | 476 | Bank |
| 20 | Renasant Bank | 71 | 35 | 77 | 432 | Bank |
| 21 | Regions Bank | 71 | 39 | 64 | 341 | Bank |
| 22 | United Community Bank | 71 | 34 | 65 | 225 | Bank |
| 23 | TD Bank, National Association | 69 | 54 | 50 | 379 | Bank |
| 24 | First Community Bank | 68 | 43 | 58 | 273 | Bank |
| 25 | USAA Federal Savings Bank | 63 | 53 | 27 | 328 | Bank |
| 26 | Coastal Carolina National Bank | 58 | 22 | 60 | 186 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.