# Best Conventional Mortgage Companie Lenders in South Carolina

**As of:** 2026-05-31

Compare the top mortgage companies for Conventional loans in South Carolina.

> **Canonical URL:** https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/conventional-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 | 88 | 47 | 81 | 1,089 | Independent Mortgage Company |
| 2 | NATION ONE MORTGAGE CORPORATION | 85 | 61 | 84 | 300 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 1,553 | Independent Mortgage Company |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 1,302 | Independent Mortgage Company |
| 5 | American Security Mortgage Corp. | 80 | 61 | 69 | 242 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 5,799 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 3,809 | Independent Mortgage Company |
| 8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 838 | Independent Mortgage Company |
| 9 | RESOURCE FINANCIAL SERVICES, INC. | 79 | 46 | 68 | 695 | Independent Mortgage Company |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 467 | Independent Mortgage Company |
| 11 | Atlantic Coast Mortgage, LLC | 79 | 40 | 76 | 256 | Independent Mortgage Company |
| 12 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 189 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 3,120 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 1,879 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 1,294 | Independent Mortgage Company |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 1,294 | Independent Mortgage Company |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 1,062 | Independent Mortgage Company |
| 18 | LOWER, LLC | 75 | 33 | 66 | 929 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 814 | Independent Mortgage Company |
| 20 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 782 | Independent Mortgage Company |
| 21 | Alcova Mortgage LLC | 75 | 31 | 82 | 200 | Independent Mortgage Company |
| 22 | VELOCIO MORTGAGE L.L.C. | 74 | 77 | 57 | 399 | Independent Mortgage Company |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 305 | Independent Mortgage Company |
| 24 | JET HOMELOANS, LP | 74 | 53 | 65 | 250 | Independent Mortgage Company |
| 25 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 216 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 73 | 41 | 47 | 1,011 | Independent Mortgage Company |
| 27 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 560 | Independent Mortgage Company |
| 28 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 476 | Independent Mortgage Company |
| 29 | T2 FINANCIAL LLC | 71 | 26 | 77 | 468 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 462 | Independent Mortgage Company |
| 31 | THE LOAN STORE, INC. | 71 | 39 | 71 | 311 | Independent Mortgage Company |
| 32 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 270 | Independent Mortgage Company |
| 33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 253 | Independent Mortgage Company |
| 34 | GoodLeap, LLC | 69 | 49 | 51 | 164 | Independent Mortgage Company |
| 35 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 285 | Independent Mortgage Company |
| 36 | Assurance Financial Group, L.L.C. | 67 | 27 | 73 | 229 | Independent Mortgage Company |
| 37 | TIDEWATER MORTGAGE SERVICES, INC. | 67 | 32 | 62 | 202 | Independent Mortgage Company |
| 38 | GO MORTGAGE, LLC | 67 | 21 | 63 | 192 | Independent Mortgage Company |
| 39 | Mortgage Research Center, LLC | 66 | 34 | 43 | 1,646 | Independent Mortgage Company |
| 40 | FBC MORTGAGE, LLC | 66 | 36 | 60 | 931 | Independent Mortgage Company |
| 41 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 622 | Independent Mortgage Company |
| 42 | NEWREZ LLC | 66 | 31 | 58 | 510 | Independent Mortgage Company |
| 43 | CAROLINA ONE MORTGAGE, LLC | 66 | 37 | 59 | 470 | Independent Mortgage Company |
| 44 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 424 | Independent Mortgage Company |
| 45 | ACOPIA, LLC | 63 | 21 | 52 | 326 | Independent Mortgage Company |
| 46 | ZILLOW HOME LOANS, LLC | 63 | 32 | 50 | 198 | Independent Mortgage Company |
| 47 | Luminate Home Loans, Inc. | 60 | 14 | 66 | 279 | Independent Mortgage Company |
| 48 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 15 | 75 | 214 | Independent Mortgage Company |
| 49 | NFM, INC. | 60 | 19 | 77 | 161 | Independent Mortgage Company |
| 50 | DIRECT MORTGAGE LOANS, LLC | 57 | 19 | 67 | 241 | Independent Mortgage Company |

## 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.