# Best Mortgage Lenders in Hilton Head Island

**As of:** 2026-05-22

Compare the top mortgage lenders in Hilton Head Island. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/hilton-head-island/best-mortgage-lenders


> **📋 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:** 70
- **Total Loans:** 3,982
- **Median Rate Spread:** 0.1660597014925373%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 210 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 58 | Bank |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 50 | Bank |
| 4 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 39 | Bank |
| 5 | Ameris Bank | 78 | 42 | 82 | 108 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 101 | Credit Union |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 79 | Independent Mortgage Company |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 44 | Independent Mortgage Company |
| 9 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 34 | Bank |
| 10 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 583 | Independent Mortgage Company |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 251 | Independent Mortgage Company |
| 12 | SouthState Bank, National Association | 73 | 49 | 73 | 102 | Bank |
| 13 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 95 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 90 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 64 | Independent Mortgage Company |
| 16 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 59 | Bank |
| 17 | Truist Bank | 73 | 70 | 68 | 24 | Bank |
| 18 | Fifth Third Bank, National Association | 73 | 62 | 62 | 23 | Bank |
| 19 | JET HOMELOANS, LP | 73 | 71 | 77 | 23 | Independent Mortgage Company |
| 20 | CPM Federal Credit Union | 73 | 66 | 40 | 20 | Credit Union |
| 21 | TD Bank, National Association | 71 | 47 | 57 | 140 | Bank |
| 22 | First Heritage Mortgage, LLC | 71 | 51 | 89 | 28 | Independent Mortgage Company |
| 23 | GMFS LLC | 71 | 53 | 85 | 26 | Independent Mortgage Company |
| 24 | Gateway First Bank | 68 | 29 | 79 | 164 | Bank |
| 25 | T2 FINANCIAL LLC | 68 | 26 | 86 | 101 | Independent Mortgage Company |
| 26 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 75 | Independent Mortgage Company |
| 27 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 43 | Independent Mortgage Company |
| 28 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 28 | Independent Mortgage Company |
| 29 | EQUITY RESOURCES, INC. | 66 | 47 | 66 | 22 | Independent Mortgage Company |
| 30 | Mortgage Research Center, LLC | 63 | 34 | 70 | 72 | Independent Mortgage Company |
| 31 | EMM LOANS LLC | 63 | 31 | 77 | 69 | Independent Mortgage Company |
| 32 | SUN WEST MORTGAGE COMPANY, INC. | 63 | 33 | 62 | 46 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 40 | Independent Mortgage Company |
| 34 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 29 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 22 | Independent Mortgage Company |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 29 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 34 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 22 | Independent Mortgage Company |
| 39 | CANOPY MORTGAGE, LLC | 58 | 21 | 70 | 22 | Independent Mortgage Company |
| 40 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 25 | Independent Mortgage Company |
| 41 | EAST COAST CAPITAL CORP. | 50 | 19 | 62 | 35 | Independent Mortgage Company |
| 42 | First National Bank of America | 42 | 1 | 51 | 31 | Bank |

## 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 Hilton Head Island.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.