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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 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 | 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 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,896 | +0.184% | 1,480 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,247 | +0.026% | 1,302 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122 | -0.504% | 1,017 | |
8 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $475 | -0.156% | 214 | |
9 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420 | +0.007% | 1,145 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197 | +0.153% | 1,011 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,464 | +0.270% | 782 | |
12 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110 | +0.037% | 432 | |
13 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $174 | -0.026% | 416 | |
14 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,907 | -0.016% | 297 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,380 | +0.337% | 3,120 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,889 | +0.218% | 1,294 | |
17 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,899 | +0.213% | 1,165 | |
18 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.146% | 1,089 | |
19 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,981 | +0.078% | 919 | |
20 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,554 | +0.347% | 814 | |
21 | First Reliance Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,719 | +0.106% | 679 | |
22 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,798 | +0.017% | 560 | |
23 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,812 | +0.316% | 424 | |
24 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,542 | +0.255% | 285 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,633 | +0.582% | 270 | |
26 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $458 | +0.112% | 238 | |
27 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633 | -0.177% | 1,553 | |
28 | RESOURCE FINANCIAL SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,429 | +0.304% | 695 | |
29 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077 | +0.109% | 628 | |
30 | Southern First Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788 | +0.221% | 517 | |
31 | Gateway First Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,453 | +0.491% | 507 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,255 | +0.377% | 467 | |
33 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,335 | +0.237% | 432 | |
34 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,815 | -0.150% | 328 | |
35 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,041 | +0.138% | 242 | |
36 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,342 | +0.377% | 225 | |
37 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,567 | +0.081% | 172 | |
38 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.306% | 5,799 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369 | +0.525% | 1,062 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.452% | 838 | |
41 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,976 | +0.087% | 811 | |
42 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,529 | +0.438% | 510 | |
43 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,228 | +0.285% | 476 | |
44 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.207% | 311 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,169 | +0.168% | 305 | |
46 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,890 | +0.484% | 189 | |
47 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166 | +0.363% | 1,879 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931 | +0.566% | 1,646 | |
49 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.538% | 1,294 |
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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