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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,259 | -0.629% | 931 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $871 | -0.932% | 399 | |
3 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,856 | -0.026% | 250 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,852 | +0.090% | 3,809 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,380 | +0.337% | 3,120 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
10 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,554 | +0.347% | 814 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,798 | +0.017% | 560 | |
13 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,812 | +0.316% | 424 | |
14 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,542 | +0.255% | 285 | |
15 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,633 | +0.582% | 270 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
17 | RESOURCE FINANCIAL SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,429 | +0.304% | 695 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,255 | +0.377% | 467 | |
19 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,041 | +0.138% | 242 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,529 | +0.438% | 510 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.207% | 311 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,169 | +0.168% | 305 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931 | +0.566% | 1,646 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
31 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,462 | +0.632% | 468 | |
32 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,899 | +0.320% | 256 | |
33 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,572 | +0.286% | 216 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
35 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,456 | +0.568% | 161 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,265 | +0.458% | 476 | |
37 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,094 | +0.237% | 470 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,026 | +0.589% | 462 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,617 | +0.378% | 253 | |
40 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,059 | +0.015% | 164 | |
41 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,657 | +0.338% | 326 | |
42 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $2,672 | +0.434% | 229 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,196 | +0.391% | 210 | |
44 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,492 | +0.274% | 202 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,823 | +0.434% | 198 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,036 | +0.988% | 196 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,243 | +0.641% | 214 | |
48 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,016 | +0.714% | 183 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | 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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