Safe Rate Rankings

Best All Lender Mortgage Lenders in Hilton Head Island

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders70

Total Loans3,982

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,060Fees	0.505%Below	101
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$367Fees	0.406%Below	34
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,148Fees	0.003%Below	210
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$39Fees	0.134%Above	58
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$841Fees	0.113%Below	50
6	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,319Fees	0.026%Above	39
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,923Fees	0.092%Above	108
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,601Fees	0.466%Above	79
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,768Fees	0.005%Below	59
10	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,854Fees	0.232%Below	44
11	Truist BankBank	Strong	Strong	Strong	Sound	$1,445Fees	0.014%Above	24
12	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,019Fees	0.070%Below	23
13	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Sound	$2,987Fees	0.202%Above	23
14	CPM Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$3,395Fees	0.743%Below	20
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,964Fees	0.407%Above	583
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,212Fees	0.172%Above	251
17	TD Bank, National AssociationBank	Strong	Sound	Sound	Exceptional	$647Credit	0.135%Above	140
18	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,847Fees	0.263%Above	102
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,117Fees	0.323%Above	95
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,038Fees	0.087%Below	90
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,665Fees	0.294%Above	64
22	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,734Fees	0.285%Above	28
23	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,453Fees	0.285%Above	26
24	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$2,273Fees	0.410%Above	164
25	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,080Fees	0.488%Above	101
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,231Fees	0.503%Above	75
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,787Fees	0.034%Below	43
28	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,627Fees	0.241%Above	28
29	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$4,956Fees	0.458%Above	22
30	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,153Fees	0.447%Above	69
31	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,490Fees	0.004%Below	46
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,638Fees	0.371%Above	40
33	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,047Fees	0.362%Above	29
34	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,640Fees	0.097%Below	29
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,909Fees	0.326%Above	22
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,500Fees	0.406%Above	34
37	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,192Fees	0.540%Above	22
38	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,690Fees	0.478%Above	22
39	EAST COAST CAPITAL CORP.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,072Fees	0.342%Above	35
40	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,681Fees	0.557%Above	25

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.