# Best FHA Mortgage Lenders in South Carolina

**As of:** 2026-05-21

Compare the top FHA mortgage lenders in South Carolina. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/south-carolina/best-mortgage-lenders/fha-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 Heritage Mortgage, LLC | 95 | 68 | 84 | 1,089 | Independent Mortgage Company |
| 2 | FBC MORTGAGE, LLC | 95 | 77 | 82 | 931 | Independent Mortgage Company |
| 3 | VELOCIO MORTGAGE L.L.C. | 95 | 96 | 88 | 399 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 1,011 | Independent Mortgage Company |
| 5 | First Palmetto Bank | 89 | 70 | 85 | 432 | Bank |
| 6 | NATION ONE MORTGAGE CORPORATION | 89 | 67 | 88 | 300 | Independent Mortgage Company |
| 7 | JET HOMELOANS, LP | 89 | 88 | 84 | 250 | Independent Mortgage Company |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 3,809 | Independent Mortgage Company |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 59 | 83 | 1,302 | Independent Mortgage Company |
| 10 | SouthState Bank, National Association | 85 | 65 | 65 | 1,165 | Bank |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 467 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,553 | Independent Mortgage Company |
| 13 | Ameris Bank | 83 | 50 | 78 | 1,480 | Bank |
| 14 | First-Citizens Bank & Trust Company | 83 | 95 | 57 | 1,145 | Bank |
| 15 | First Reliance Bank | 83 | 86 | 61 | 679 | Bank |
| 16 | First Federal Bank | 80 | 70 | 60 | 297 | Bank |
| 17 | American Security Mortgage Corp. | 80 | 66 | 72 | 242 | Independent Mortgage Company |
| 18 | Synovus Bank | 80 | 68 | 66 | 172 | Bank |
| 19 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 5,799 | Independent Mortgage Company |
| 20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 1,294 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 1,062 | Independent Mortgage Company |
| 22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 28 | 84 | 838 | Independent Mortgage Company |
| 23 | Truist Bank | 79 | 75 | 53 | 628 | Bank |
| 24 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 560 | Independent Mortgage Company |
| 25 | Southern First Bank | 79 | 64 | 45 | 517 | Bank |
| 26 | Flagstar Bank, N.A. | 79 | 58 | 71 | 476 | Bank |
| 27 | Renasant Bank | 79 | 51 | 79 | 432 | Bank |
| 28 | Fifth Third Bank, National Association | 79 | 72 | 58 | 416 | Bank |
| 29 | Countybank | 79 | 43 | 61 | 322 | Bank |
| 30 | THE LOAN STORE, INC. | 79 | 49 | 72 | 311 | Independent Mortgage Company |
| 31 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 285 | Independent Mortgage Company |
| 32 | U.S. Bank National Association | 79 | 65 | 60 | 238 | Bank |
| 33 | NBKC BANK | 79 | 88 | 54 | 214 | Bank |
| 34 | GoodLeap, LLC | 79 | 62 | 58 | 164 | Independent Mortgage Company |
| 35 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 3,120 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 1,879 | Independent Mortgage Company |
| 37 | LOWER, LLC | 75 | 29 | 66 | 929 | Independent Mortgage Company |
| 38 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 814 | Independent Mortgage Company |
| 39 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 782 | Independent Mortgage Company |
| 40 | Gateway First Bank | 75 | 35 | 77 | 507 | Bank |
| 41 | T2 FINANCIAL LLC | 75 | 29 | 82 | 468 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 462 | Independent Mortgage Company |
| 43 | Atlantic Coast Mortgage, LLC | 75 | 35 | 81 | 256 | Independent Mortgage Company |
| 44 | Assurance Financial Group, L.L.C. | 75 | 24 | 80 | 229 | Independent Mortgage Company |
| 45 | Alcova Mortgage LLC | 75 | 39 | 85 | 200 | Independent Mortgage Company |
| 46 | NFM, INC. | 75 | 40 | 83 | 161 | Independent Mortgage Company |
| 47 | TD Bank, National Association | 74 | 71 | 44 | 379 | Bank |
| 48 | United Community Bank | 74 | 51 | 64 | 225 | Bank |
| 49 | DELMAR FINANCIAL COMPANY | 74 | 41 | 73 | 216 | Independent Mortgage Company |
| 50 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 919 | 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.