# Best VA Mortgage Lenders in South Carolina

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

Compare the top VA 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/va-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 | FBC MORTGAGE, LLC | 100 | 85 | 87 | 931 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 3,809 | Independent Mortgage Company |
| 3 | Ameris Bank | 95 | 63 | 81 | 1,480 | Bank |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 1,302 | Independent Mortgage Company |
| 5 | VELOCIO MORTGAGE L.L.C. | 95 | 100 | 89 | 399 | Independent Mortgage Company |
| 6 | JET HOMELOANS, LP | 95 | 82 | 87 | 250 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 1,011 | Independent Mortgage Company |
| 8 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 782 | Independent Mortgage Company |
| 9 | First Palmetto Bank | 89 | 69 | 82 | 432 | Bank |
| 10 | NBKC BANK | 89 | 91 | 75 | 214 | Bank |
| 11 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 3,120 | Independent Mortgage Company |
| 12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 48 | 82 | 1,294 | Independent Mortgage Company |
| 13 | First Heritage Mortgage, LLC | 88 | 52 | 90 | 1,089 | Independent Mortgage Company |
| 14 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 1,017 | Credit Union |
| 15 | CMG MORTGAGE, INC. | 88 | 54 | 81 | 814 | Independent Mortgage Company |
| 16 | SouthState Bank, National Association | 85 | 73 | 68 | 1,165 | Bank |
| 17 | First Reliance Bank | 85 | 64 | 69 | 679 | Bank |
| 18 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 560 | Independent Mortgage Company |
| 19 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 424 | Independent Mortgage Company |
| 20 | Fifth Third Bank, National Association | 85 | 81 | 60 | 416 | Bank |
| 21 | NATION ONE MORTGAGE CORPORATION | 85 | 61 | 90 | 300 | Independent Mortgage Company |
| 22 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 285 | Independent Mortgage Company |
| 23 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 270 | Independent Mortgage Company |
| 24 | U.S. Bank National Association | 85 | 71 | 65 | 238 | Bank |
| 25 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 1,553 | Independent Mortgage Company |
| 26 | First-Citizens Bank & Trust Company | 83 | 89 | 57 | 1,145 | Bank |
| 27 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 919 | Bank |
| 28 | RESOURCE FINANCIAL SERVICES, INC. | 83 | 48 | 83 | 695 | Independent Mortgage Company |
| 29 | Gateway First Bank | 83 | 42 | 78 | 507 | Bank |
| 30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 467 | Independent Mortgage Company |
| 31 | Renasant Bank | 83 | 59 | 83 | 432 | Bank |
| 32 | First Federal Bank | 83 | 92 | 58 | 297 | Bank |
| 33 | American Security Mortgage Corp. | 83 | 58 | 87 | 242 | Independent Mortgage Company |
| 34 | United Community Bank | 80 | 71 | 70 | 225 | Bank |
| 35 | Synovus Bank | 80 | 80 | 72 | 172 | Bank |
| 36 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 5,799 | Independent Mortgage Company |
| 37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 1,062 | Independent Mortgage Company |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 33 | 85 | 838 | Independent Mortgage Company |
| 39 | Truist Bank | 79 | 71 | 60 | 628 | Bank |
| 40 | Southern First Bank | 79 | 62 | 57 | 517 | Bank |
| 41 | NEWREZ LLC | 79 | 47 | 63 | 510 | Independent Mortgage Company |
| 42 | Flagstar Bank, N.A. | 79 | 56 | 68 | 476 | Bank |
| 43 | USAA Federal Savings Bank | 79 | 62 | 58 | 328 | Bank |
| 44 | THE LOAN STORE, INC. | 79 | 51 | 75 | 311 | Independent Mortgage Company |
| 45 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 305 | Independent Mortgage Company |
| 46 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 189 | Independent Mortgage Company |
| 47 | Wells Fargo Bank, National Association | 77 | 53 | 55 | 811 | Bank |
| 48 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 1,879 | Independent Mortgage Company |
| 49 | Mortgage Research Center, LLC | 75 | 34 | 61 | 1,646 | Independent Mortgage Company |
| 50 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 1,294 | 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.