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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 VA Mortgage Bank Lenders in South Carolina
Updated February 6, 2026
Market Overview
22
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 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,896 | +0.184% | 1,480 | |
2 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $475 | -0.156% | 214 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420 | +0.007% | 1,145 | |
4 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110 | +0.037% | 432 | |
5 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $174 | -0.026% | 416 | |
6 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,907 | -0.016% | 297 | |
7 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,981 | +0.078% | 919 | |
9 | First Reliance Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,719 | +0.106% | 679 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $458 | +0.112% | 238 | |
11 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077 | +0.109% | 628 | |
12 | Southern First Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788 | +0.221% | 517 | |
13 | Gateway First Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,453 | +0.491% | 507 | |
14 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,335 | +0.237% | 432 | |
15 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,815 | -0.150% | 328 | |
16 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,342 | +0.377% | 225 | |
17 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,567 | +0.081% | 172 | |
18 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,976 | +0.087% | 811 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,228 | +0.285% | 476 | |
20 | Countybank | Strong | Sound | Strong | Sound | Exceptional | $1,868 | +0.277% | 322 | |
21 | First Community Bank | Strong | Sound | Sound | Strong | Exceptional | $2,677 | +0.244% | 273 | |
22 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,326 | +0.105% | 341 |
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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