The Lenders Community Survey gathers homeowners feedback and 119 lenders recommendations for South Carolina home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
South Carolina Top Lenders for Home Refinance Loans
Charleston, Columbia, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Goose Creek, Greer, Sumter, Myrtle Beach, Florence, Online lenders.
Recommendations are gathered from 1,087 South Carolina local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for South Carolina Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for South Carolina Homeowners.
Charleston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Charleston’s area are Truist Bank, SouthState Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Truist Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| First Citizens Bank | Community Bank | 4.5 | 4.0 | 4.0 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 91% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 89% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 88% |
| South Carolina FCU | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Palmetto State Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Carolina First Bank | Community Bank | 3.5 | 3.5 | 3.5 | 84% |
| United Community Bank | Community Bank | 3.5 | 3.5 | 3.5 | 83% |
| Synovus Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
| CresCom Bank | Community Bank | 3.5 | 3.5 | 3.5 | 81% |
| Peoples Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Columbia Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Columbia’s area are Truist Bank, SouthState Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Truist Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| First Citizens Bank | Community Bank | 4.5 | 4.0 | 4.0 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 91% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 89% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 88% |
| South Carolina FCU | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Palmetto State Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Carolina First Bank | Community Bank | 3.5 | 3.5 | 3.5 | 84% |
| United Community Bank | Community Bank | 3.5 | 3.5 | 3.5 | 83% |
| Synovus Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
| CresCom Bank | Community Bank | 3.5 | 3.5 | 3.5 | 81% |
| Peoples Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
North Charleston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in North Charleston’s area are Truist Bank, SouthState Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Truist Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| First Citizens Bank | Community Bank | 4.5 | 4.0 | 4.0 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 91% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 89% |
| Navy Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 88% |
| South Carolina FCU | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Palmetto State Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
Mount Pleasant Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Mount Pleasant’s area are Bank of America, SouthState Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.5 | 4.0 | 4.5 | 93% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| First Citizens Bank | Community Bank | 4.5 | 4.0 | 4.0 | 90% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 88% |
| BB&T (now Truist) | Bank | 4.0 | 4.0 | 4.0 | 87% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 83% |
| SunTrust (now Truist) | Bank | 3.5 | 3.5 | 3.5 | 82% |
| First National Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Rock Hill Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rock Hill’s area are Bank of America, First Citizens Bank and Wells Fargo.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.5 | 4.0 | 4.5 | 94% |
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.0 | 93% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 91% |
| TD Bank | Bank | 4.0 | 3.5 | 4.0 | 89% |
| Founders Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.0 | 88% |
| SouthState Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 84% |
Greenville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Greenville’s area are TD Bank, First Citizens Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| SouthState Bank | Community Bank | 4.5 | 4.0 | 4.0 | 92% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 90% |
| United Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Synovus Bank | Bank | 4.0 | 3.5 | 4.0 | 87% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 86% |
| Carolina First Bank | Community Bank | 3.5 | 3.5 | 3.5 | 84% |
| Founders Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 83% |
Summerville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Summerville’s area are SouthState Bank, First Citizens Bank and TD Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| TD Bank | Bank | 4.5 | 4.0 | 4.5 | 93% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 90% |
| First National Bank | Community Bank | 4.0 | 3.5 | 4.0 | 88% |
| Palmetto State Bank | Community Bank | 3.5 | 4.0 | 3.5 | 86% |
Goose Creek Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Goose Creek’s area are Navy Federal Credit Union, SouthState Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 97% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 95% |
| First Citizens Bank | Community Bank | 4.5 | 4.0 | 4.0 | 93% |
| TD Bank | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 88% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 86% |
Greer Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Greer’s area are TD Bank, First Citizens Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| SouthState Bank | Community Bank | 4.5 | 4.0 | 4.0 | 92% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 90% |
| United Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| First National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 86% |
Sumter Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Sumter’s area are First Citizens Bank, SouthState Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 92% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 88% |
| First National Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| Palmetto State Bank | Community Bank | 3.5 | 4.0 | 3.5 | 84% |
Myrtle Beach Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Myrtle Beach’s area are South Carolina Federal Credit Union, First Citizens Bank and TD Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| South Carolina Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| TD Bank | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 88% |
| Conway National Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| CresCom Bank | Community Bank | 3.5 | 4.0 | 3.5 | 84% |
Florence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Florence’s area are First Citizens Bank, SouthState Bank and TD Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Citizens Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| SouthState Bank | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| TD Bank | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 3.5 | 4.0 | 88% |
| Anderson Brothers Bank | Community Bank | 4.0 | 3.5 | 4.0 | 86% |
| BB&T (now Truist) | Bank | 3.5 | 4.0 | 3.5 | 84% |
Best South Carolina Online Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in South Carolina’s are Better Mortgage, Rocket Mortgage and LoanDepot.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Better Mortgage | $50,000 – $2,000,000 | 5.75% – 7.25% | 10, 15, 20, 30 | 5 | 4.5 | 4.5 | 95% |
| Rocket Mortgage | $50,000 – $3,000,000 | 5.85% – 7.35% | 10, 15, 20, 25, 30 | 4.5 | 4 | 4.5 | 93% |
| LoanDepot | $50,000 – $2,500,000 | 5.80% – 7.30% | 10, 15, 20, 30 | 4.5 | 4 | 4 | 91% |
| SoFi | $50,000 – $2,000,000 | 5.90% – 7.40% | 10, 15, 20, 30 | 4.5 | 4 | 4 | 89% |
| Guaranteed Rate | $50,000 – $2,000,000 | 5.95% – 7.45% | 10, 15, 20, 30 | 4 | 4 | 4 | 88% |
| New American Funding | $50,000 – $1,500,000 | 6.00% – 7.50% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 86% |
| PennyMac | $50,000 – $2,000,000 | 6.05% – 7.55% | 10, 15, 20, 30 | 4 | 3.5 | 3.5 | 85% |
| Freedom Mortgage | $50,000 – $1,500,000 | 6.10% – 7.60% | 10, 15, 20, 30 | 4 | 3.5 | 3.5 | 84% |
| Fairway Independent Mortgage | $50,000 – $1,500,000 | 6.15% – 7.65% | 10, 15, 20, 30 | 3.5 | 3.5 | 4 | 83% |
| NBKC Bank | $50,000 – $1,000,000 | 6.20% – 7.70% | 10, 15, 20, 30 | 4 | 3.5 | 3.5 | 81% |
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