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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 Conventional Mortgage Lenders in South Carolina
Updated February 6, 2026
Market Overview
345
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122 | -0.504% | 1,017 | |
2 | SAFE FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $574 | -0.094% | 315 | |
3 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,719 | +0.106% | 679 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,077 | +0.109% | 628 | |
5 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,976 | +0.087% | 811 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,517 | -0.056% | 600 | |
8 | First Palmetto Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,110 | +0.037% | 432 | |
9 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,194 | +0.007% | 366 | |
10 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Strong | $2,173 | -0.714% | 250 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $458 | +0.112% | 238 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $475 | -0.156% | 214 | |
13 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
14 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896 | +0.184% | 1,480 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247 | +0.026% | 1,302 | |
16 | SouthState Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
17 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,981 | +0.078% | 919 | |
18 | FOUNDERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $489 | -0.234% | 537 | |
19 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $174 | -0.026% | 416 | |
20 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,041 | +0.138% | 242 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
24 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,429 | +0.304% | 695 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,255 | +0.377% | 467 | |
26 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $871 | -0.932% | 399 | |
27 | Countybank | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.277% | 322 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,169 | +0.168% | 305 | |
29 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,907 | -0.016% | 297 | |
30 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,899 | +0.320% | 256 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889 | +0.218% | 1,294 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
36 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $1,420 | +0.007% | 1,145 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369 | +0.525% | 1,062 | |
38 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,197 | +0.153% | 1,011 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554 | +0.347% | 814 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
42 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,798 | +0.017% | 560 | |
43 | Southern First Bank | Strong | Sound | Strong | Sound | Exceptional | $1,788 | +0.221% | 517 | |
44 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.491% | 507 | |
45 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,856 | -0.026% | 250 | |
46 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,572 | +0.286% | 216 | |
47 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
48 | SRP Federal Credit Union | Strong | Sound | Strong | Strong | Strong | $2,828 | -0.149% | 176 | |
49 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $1,567 | +0.081% | 172 |
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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