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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 Mortgage Company Lenders in South Carolina
Updated February 6, 2026
Market Overview
50
Total Lenders
58,226
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $871 | -0.932% | 399 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,259 | -0.629% | 931 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
6 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,856 | -0.026% | 250 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,464 | +0.270% | 782 | |
10 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | $2,429 | +0.304% | 695 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,255 | +0.377% | 467 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,380 | +0.337% | 3,120 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,166 | +0.363% | 1,879 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,554 | +0.347% | 814 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,798 | +0.017% | 560 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,542 | +0.255% | 285 | |
21 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $2,041 | +0.138% | 242 | |
22 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,572 | +0.286% | 216 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,931 | +0.566% | 1,646 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
25 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $3,090 | +0.491% | 929 | |
26 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,094 | +0.237% | 470 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,462 | +0.632% | 468 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,026 | +0.589% | 462 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,169 | +0.168% | 305 | |
30 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,899 | +0.320% | 256 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,617 | +0.378% | 253 | |
32 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,672 | +0.434% | 229 | |
33 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,512 | +0.427% | 200 | |
34 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $4,059 | +0.015% | 164 | |
35 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,456 | +0.568% | 161 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,265 | +0.458% | 476 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,812 | +0.316% | 424 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,459 | +0.207% | 311 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,633 | +0.582% | 270 | |
40 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $3,492 | +0.274% | 202 | |
41 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,823 | +0.434% | 198 | |
42 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,036 | +0.988% | 196 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,890 | +0.484% | 189 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,072 | +0.595% | 622 | |
45 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,529 | +0.438% | 510 | |
46 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Strong | $4,696 | +0.342% | 241 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,243 | +0.641% | 214 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,196 | +0.391% | 210 | |
49 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,657 | +0.338% | 326 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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