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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 Company Lenders in South Carolina
Updated February 6, 2026
Market Overview
50
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 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247 | +0.026% | 1,302 | |
4 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,041 | +0.138% | 242 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
8 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,429 | +0.304% | 695 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,255 | +0.377% | 467 | |
10 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $871 | -0.932% | 399 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,169 | +0.168% | 305 | |
12 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,899 | +0.320% | 256 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889 | +0.218% | 1,294 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369 | +0.525% | 1,062 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,197 | +0.153% | 1,011 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554 | +0.347% | 814 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,798 | +0.017% | 560 | |
24 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,856 | -0.026% | 250 | |
25 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,572 | +0.286% | 216 | |
26 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,265 | +0.458% | 476 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,462 | +0.632% | 468 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,026 | +0.589% | 462 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,459 | +0.207% | 311 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,633 | +0.582% | 270 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,617 | +0.378% | 253 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,059 | +0.015% | 164 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,931 | +0.566% | 1,646 | |
35 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,259 | -0.629% | 931 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,072 | +0.595% | 622 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.438% | 510 | |
38 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,094 | +0.237% | 470 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,812 | +0.316% | 424 | |
40 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,542 | +0.255% | 285 | |
41 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $2,672 | +0.434% | 229 | |
42 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,492 | +0.274% | 202 | |
43 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,859 | +0.607% | 192 | |
44 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,657 | +0.338% | 326 | |
45 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,069 | +0.244% | 279 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,243 | +0.641% | 214 | |
47 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,823 | +0.434% | 198 | |
48 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,456 | +0.568% | 161 | |
49 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,696 | +0.342% | 241 |
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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