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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 FHA Mortgage Bank Lenders in South Carolina
Updated February 6, 2026
Market Overview
23
Total Lenders
79,023
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420 | +0.007% | 1,145 | |
2 | First Reliance Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,719 | +0.106% | 679 | |
3 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110 | +0.037% | 432 | |
4 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
5 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $475 | -0.156% | 214 | |
6 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896 | +0.184% | 1,480 | |
7 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077 | +0.109% | 628 | |
8 | Southern First Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788 | +0.221% | 517 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $174 | -0.026% | 416 | |
10 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,907 | -0.016% | 297 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $458 | +0.112% | 238 | |
12 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,567 | +0.081% | 172 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,228 | +0.285% | 476 | |
14 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,335 | +0.237% | 432 | |
15 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $617 | +0.228% | 379 | |
16 | Countybank | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.277% | 322 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,981 | +0.078% | 919 | |
18 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,976 | +0.087% | 811 | |
19 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.491% | 507 | |
20 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,326 | +0.105% | 341 | |
21 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,342 | +0.377% | 225 | |
22 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,517 | -0.056% | 600 | |
23 | First Community Bank | Strong | Acceptable | Sound | Sound | Exceptional | $2,677 | +0.244% | 273 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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