🛡️
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 Jumbo 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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,976 | +0.087% | 811 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122 | -0.504% | 1,017 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,517 | -0.056% | 600 | |
4 | STATE EMPLOYEES' | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,173 | -0.714% | 250 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $458 | +0.112% | 238 | |
6 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,420 | +0.007% | 1,145 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,077 | +0.109% | 628 | |
9 | First Reliance Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,719 | +0.106% | 679 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $174 | -0.026% | 416 | |
11 | Synovus Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,567 | +0.081% | 172 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,996 | +0.306% | 5,799 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,852 | +0.090% | 3,809 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,889 | +0.218% | 1,294 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,981 | +0.078% | 919 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,554 | +0.347% | 814 | |
18 | First Palmetto Bank | Exceptional | Strong | — | Strong | Exceptional | $1,110 | +0.037% | 432 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,798 | +0.017% | 560 | |
20 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,335 | +0.237% | 432 | |
21 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $617 | +0.228% | 379 | |
22 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,194 | +0.007% | 366 | |
23 | SOUTH CAROLINA FEDERAL CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $3,462 | +0.053% | 358 | |
24 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $2,326 | +0.105% | 341 | |
25 | First Community Bank | Strong | Sound | Strong | Strong | Exceptional | $2,677 | +0.244% | 273 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
27 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896 | +0.184% | 1,480 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
29 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369 | +0.525% | 1,062 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164 | +0.452% | 838 | |
32 | Atlantic Coast Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,899 | +0.320% | 256 | |
33 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Strong | $2,041 | +0.138% | 242 | |
34 | Southern First Bank | Strong | Acceptable | Strong | Strong | Exceptional | $1,788 | +0.221% | 517 | |
35 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,094 | +0.237% | 470 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,072 | +0.595% | 622 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,462 | +0.632% | 468 | |
38 | Coastal Carolina National Bank | Strong | Acceptable | — | Strong | Strong | $1,321 | +0.701% | 186 | |
39 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,228 | +0.285% | 476 | |
40 | United Community Bank | Sound | Mediocre | Strong | Sound | Strong | $2,342 | +0.377% | 225 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
South CarolinaJumbo
No credit impact
3-minute process
100% free