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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 FHA 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $871 | -0.932% | 399 | |
2 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,259 | -0.629% | 931 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,856 | -0.026% | 250 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,255 | +0.377% | 467 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,798 | +0.017% | 560 | |
11 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,041 | +0.138% | 242 | |
12 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,059 | +0.015% | 164 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.207% | 311 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,542 | +0.255% | 285 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554 | +0.347% | 814 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,529 | +0.438% | 510 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,462 | +0.632% | 468 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026 | +0.589% | 462 | |
27 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,899 | +0.320% | 256 | |
28 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,672 | +0.434% | 229 | |
29 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,572 | +0.286% | 216 | |
30 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
31 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,456 | +0.568% | 161 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,931 | +0.566% | 1,646 | |
33 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,429 | +0.304% | 695 | |
34 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,094 | +0.237% | 470 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,812 | +0.316% | 424 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,633 | +0.582% | 270 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,617 | +0.378% | 253 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,823 | +0.434% | 198 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,036 | +0.988% | 196 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,169 | +0.168% | 305 | |
43 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,696 | +0.342% | 241 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,243 | +0.641% | 214 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,196 | +0.391% | 210 | |
46 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,492 | +0.274% | 202 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,016 | +0.714% | 183 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,265 | +0.458% | 476 | |
49 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,069 | +0.244% | 279 |
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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