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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 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $871 | -0.932% | 399 | |
2 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,259 | -0.629% | 931 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,856 | -0.026% | 250 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420 | +0.007% | 1,145 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
7 | First Reliance Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,719 | +0.106% | 679 | |
8 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110 | +0.037% | 432 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
11 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,255 | +0.377% | 467 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $475 | -0.156% | 214 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
15 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896 | +0.184% | 1,480 | |
16 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077 | +0.109% | 628 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,798 | +0.017% | 560 | |
18 | Southern First Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788 | +0.221% | 517 | |
19 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $174 | -0.026% | 416 | |
20 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,907 | -0.016% | 297 | |
21 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,041 | +0.138% | 242 | |
22 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $458 | +0.112% | 238 | |
23 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,567 | +0.081% | 172 | |
24 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,059 | +0.015% | 164 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,228 | +0.285% | 476 | |
30 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,335 | +0.237% | 432 | |
31 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $617 | +0.228% | 379 | |
32 | Countybank | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.277% | 322 | |
33 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.207% | 311 | |
34 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,542 | +0.255% | 285 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,981 | +0.078% | 919 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554 | +0.347% | 814 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
41 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.491% | 507 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,462 | +0.632% | 468 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026 | +0.589% | 462 | |
44 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,899 | +0.320% | 256 | |
45 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,672 | +0.434% | 229 | |
46 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,342 | +0.377% | 225 | |
47 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,572 | +0.286% | 216 | |
48 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
49 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,456 | +0.568% | 161 |
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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