# Best USDA Mortgage Lenders in South Carolina

**As of:** 2026-05-21

Compare the top USDA mortgage lenders in South Carolina. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/south-carolina/best-mortgage-lenders/usda-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 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 3,809 | Independent Mortgage Company |
| 2 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 1,879 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 89 | 60 | 75 | 931 | Independent Mortgage Company |
| 4 | First-Citizens Bank & Trust Company | 85 | 60 | 69 | 1,145 | Bank |
| 5 | NEWREZ LLC | 85 | 65 | 69 | 510 | Independent Mortgage Company |
| 6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 69 | 72 | 467 | Independent Mortgage Company |
| 7 | First Palmetto Bank | 85 | 76 | 78 | 432 | Bank |
| 8 | Ameris Bank | 83 | 53 | 70 | 1,480 | Bank |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 47 | 61 | 1,302 | Independent Mortgage Company |
| 10 | Alcova Mortgage LLC | 83 | 49 | 84 | 200 | Independent Mortgage Company |
| 11 | United Community Bank | 80 | 78 | 60 | 225 | Bank |
| 12 | First Heritage Mortgage, LLC | 79 | 51 | 69 | 1,089 | Independent Mortgage Company |
| 13 | Renasant Bank | 79 | 49 | 67 | 432 | Bank |
| 14 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 60 | 189 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 77 | 1,294 | Independent Mortgage Company |
| 16 | LOWER, LLC | 75 | 36 | 69 | 929 | Independent Mortgage Company |
| 17 | RESOURCE FINANCIAL SERVICES, INC. | 73 | 41 | 57 | 695 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 73 | 41 | 58 | 476 | Bank |
| 19 | Countybank | 73 | 56 | 69 | 322 | Bank |
| 20 | INSPIRE HOME LOANS INC. | 73 | 43 | 49 | 285 | Independent Mortgage Company |
| 21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 29 | 66 | 253 | Independent Mortgage Company |
| 22 | Assurance Financial Group, L.L.C. | 71 | 24 | 76 | 229 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 70 | 31 | 59 | 1,553 | Independent Mortgage Company |
| 24 | First Reliance Bank | 66 | 62 | 36 | 679 | Bank |
| 25 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 3,120 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 1,294 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,062 | Independent Mortgage Company |
| 28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 63 | 17 | 79 | 838 | Independent Mortgage Company |
| 29 | SouthState Bank, National Association | 62 | 49 | 24 | 1,165 | Bank |
| 30 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 622 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 462 | Independent Mortgage Company |
| 32 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 8 | 77 | 214 | Independent Mortgage Company |
| 33 | ACOPIA, LLC | 57 | 18 | 80 | 326 | Independent Mortgage Company |
| 34 | GUARANTEED RATE AFFINITY, LLC | 53 | 33 | 24 | 424 | Independent Mortgage Company |
| 35 | THE LOAN STORE, INC. | 53 | 40 | 26 | 311 | Independent Mortgage Company |
| 36 | GO MORTGAGE, LLC | 44 | 19 | 36 | 192 | 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.