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Top home equity lenders in South Carolina (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

253kApplications in SC
23.5%State decision denial rate
6.50%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
South Carolina ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 Truist BankCharlotte, NC C 1,508 4,366 34.7% 6.60%
2 Navy Federal Credit UnionVienna, VA D 1,417 5,424 21.2% 7.50%
3 Spring EqConshohocken, PA D 1,331 2,178 48.5% 9.00%
4 Bank of AmericaCharlotte, NC F 1,270 5,009 33.1% 6.24%
5 Pennymac Loan ServicesWestlake Village, CA C 1,098 4,524 11.3% 6.25%
6 First-Citizens Bank & TrustRaleigh, NC B 1,068 5,399 20.9% 6.38%
7 Founders Federal Credit UnionLancaster, SC D 927 2,970 21.9% 7.50%
8 Loandepot.ComIrvine, CA D 911 4,060 22.1% 5.99%
9 S. C. State Federal Credit UnionColumbia, SC A 838 1,594 22.5% 4.50%
10 Discover BankGreenwood, DE F 709 1,268 54.4% 8.77%
11 Nationstar MortgageCoppell, TX C 692 1,807 12.3% 7.50%
12 Figure LendingCharlotte, NC C 662 1,003 30.9% 10.49%
13 Sofi BankCottonwood Heights, UT D 656 1,115 9.2% 7.59%
14 SouthState BankWinter Haven, FL B 532 4,350 21.6% 6.85%
15 Rocket MortgagePlymouth, MI C 496 13,403 16.8% 6.63%
16 Crosscountry MortgageCleveland, OH B 410 3,653 4.0% 6.63%
17 Lakeview Loan ServicingCoral Gables, FL C 396 1,545 44.6% 6.50%
18 Citizens BankProvidence, RI C 385 1,040 26.6% 7.40%
19 Broker SolutionsTustin, CA D 358 2,738 7.4% 6.75%
20 Better MortgageNew York, NY F 355 760 25.5% 8.00%
21 TD BankWilmington, DE D 325 1,908 21.6% 7.44%
22 PNC BankWilmington, DE D 321 1,189 27.5% 7.52%
23 CPM Federal Credit UnionNorth Charleston, SC C 302 852 16.3% 7.74%
24 Regions BankBirmingham, AL C 301 1,242 32.8% 6.00%
25 Palmetto Citizens Federal Credit UnionColumbia, SC B 266 1,099 21.7% 6.50%
26 Truliant Federal Credit UnionWinston Salem, NC D 255 854 43.4% 7.25%
27 Fifth Third BankCincinnati, OH D 203 1,460 19.3% 6.50%
28 Mutual of Omaha MortgageSan Diego, CA C 196 1,130 16.6% 6.63%
29 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 195 455 34.5% 6.99%
30 SRP Federal Credit UnionNorth Augusta, SC C 195 715 9.9% 6.13%
31 Allsouth Federal Credit UnionColumbia, SC F 188 602 22.4% —
32 Sharonview Federal Credit UnionFort Mill, SC D 180 352 49.4% 7.50%
33 United Community BankBlairsville, GA B 173 1,438 24.6% 6.50%
34 Synovus BankColumbus, GA D 171 682 17.6% 7.20%
35 RCN CapitalSouth Windsor, CT D 165 299 41.8% 7.60%
36 GreenvilleGreenville, SC D 161 439 28.5% 7.50%
37 Wells Fargo BankCharlotte, NC B 142 1,791 16.9% 6.38%
38 JPMorgan Chase BankColumbus, OH B 132 1,645 9.1% 6.49%
39 Spero FinancialGreenville, SC C 130 490 13.1% —
40 Safe Federal Credit UnionSumter, SC C 126 963 20.3% 6.50%
41 The Loan StoreSan Francisco, CA B 125 897 7.0% 6.63%
42 Southern First BankGreenville, SC B 117 1,204 1.7% 6.88%
43 State Employees'Raleigh, NC C 112 859 24.6% 6.15%
44 Mission LoansColumbus, OH D 101 262 1.2% 7.50%
45 Homebridge Financial ServicesIselin, NJ B 96 259 12.7% 9.74%
46 Movement MortgageLancaster, SC A 96 4,069 3.1% 6.56%
47 Pentagon Federal Credit UnionMclean, VA F 86 524 33.8% 7.50%
48 First Piedmont Federal Savings and Loan Association of GaffneyGaffney, SC B 83 209 4.3% 7.50%
49 Finance of America ReverseTulsa, OK C 80 222 9.9% 6.50%
50 Ameris BankAtlanta, GA B 75 2,512 7.8% 6.49%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.