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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 USDA Mortgage Lenders in South Carolina
Updated February 6, 2026
Market Overview
345
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,852 | +0.090% | 3,809 | |
2 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,259 | -0.629% | 931 | |
4 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,420 | +0.007% | 1,145 | |
5 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,529 | +0.438% | 510 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,255 | +0.377% | 467 | |
7 | First Palmetto Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,110 | +0.037% | 432 | |
8 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896 | +0.184% | 1,480 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247 | +0.026% | 1,302 | |
10 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,342 | +0.377% | 225 | |
11 | Alcova Mortgage LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,512 | +0.427% | 200 | |
12 | First Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,577 | +0.146% | 1,089 | |
13 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,335 | +0.237% | 432 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889 | +0.218% | 1,294 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.491% | 929 | |
17 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,429 | +0.304% | 695 | |
18 | First Reliance Bank | Strong | Strong | Sound | Acceptable | Exceptional | $1,719 | +0.106% | 679 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,228 | +0.285% | 476 | |
20 | Countybank | Strong | Sound | — | Strong | Exceptional | $1,868 | +0.277% | 322 | |
21 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Sound | Strong | $2,542 | +0.255% | 285 | |
22 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,633 | -0.177% | 1,553 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,617 | +0.378% | 253 | |
24 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | Strong | $2,672 | +0.434% | 229 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,380 | +0.337% | 3,120 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 | |
27 | SouthState Bank, National Association | Strong | Sound | Sound | Acceptable | Exceptional | $1,899 | +0.213% | 1,165 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,369 | +0.525% | 1,062 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,164 | +0.452% | 838 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,072 | +0.595% | 622 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,026 | +0.589% | 462 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,243 | +0.641% | 214 | |
33 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,657 | +0.338% | 326 | |
34 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Sound | Acceptable | Strong | $2,812 | +0.316% | 424 | |
35 | THE LOAN STORE, INC. | Sound | Acceptable | Sound | Acceptable | Strong | $2,459 | +0.207% | 311 | |
36 | GO MORTGAGE, LLC | Sound | Mediocre | Sound | Acceptable | Strong | $3,859 | +0.607% | 192 |
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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